Terms & Conditions

"Zip by MobiKwik" or "Zip Services" is a deferred payment option

facilitated by MobiKwik
One Mobikwik Systems Limited - "MobiKwik" "We" "Us" "Our"
Users ("you" / "User") are required to read, review, understand and agree to the terms hereunder for using or availing of
the Zip Services, by clicking on the "I Accept"/ "Submit" button in the MobiKwik App. Upon clicking the "I Accept"/
"Submit" button on the MobiKwik App, a User indicates their acceptance of these terms and their intention to be bound by
it. Once the terms contained hereunder are accepted by a User, the same shall be binding on the User while availing Zip
Services in any manner whatsoever, and subsequent to such User's use of the Zip Services. MobiKwik in consultation
with its Lending Partners has the right to suspend or freeze this facility any time at its discretion.

Terms of Usage
1. Zip is a premium product, which is only available to a limited set of Users, as may be sanctioned by the lending
partners of MobiKwik ("Lending Partners") in their sole discretion. Its approval or rejection is based on the data shared
by the User and at the discretion of the Lending Partner. Further to this, the approved credit limit is specific to every
individual User.
2. Zip can be used within the MobiKwik App for limited services & on select merchants.
3. In order to avail the credit facility provided by the Lending Partners, the User shall be provided with and agree to terms
and conditions including the key fact statement, summary of product, sanction letter, terms and conditions of the
Lending Partner and MobiKwik, account statements and privacy policies ("Loan Documents").
4. One time, non-refundable activation fee ranging between INR 99 to INR 399 inclusive of applicable taxes, if any. The
aforesaid fee shall be applicable after ZIP has been used to pay for the first time and the first invoice has been
generated. The aforesaid fee shall be included in the Loan Documents charged by the Lending Partner.
5. All charges including but not limited to activation fee, processing fee, penalties, etc., as applicable, will form part of the
Loan Documents provided to you.
6. Invoice for the amount used will be generated on every 16th of the same month & 1st of the next month. User to repay
the same within 5 days from the date of generation of the invoice. If the invoice amount is not paid by the User till the
due date, delay penalties will be applicable based on the amount due & the number of unpaid days as per the Loan
Documents provided below and by the Lending Partners.

Total outstanding (in Bill Bounced Charges

Late Payment Fee/Cycle Overdue Charges/Daily
INR) /Cycle

Rs.101-500 Rs.250 2.5% of the total If previous bill unpaid by

outstanding (POS) due date, overdue
Rs.501-1000 Rs.250 charges of 0.1%(POS)

Rs.1001-2500 Rs.500

Rs.2501-5000 Rs.500

Rs.5001-7500 Rs.500
 Rs.7501-10000 Rs.500

Rs.10001-20000 Rs.500

>Rs. 20000 Rs.500

Note- All the above charges are excluding GST, which will be levied additionally.

Please note that the penalty amount is calculated and charged at the time of bill generation by the Lending Partner.
7. Facility eligible for pre-payment may be prepaid by making payment of the principal outstanding amount along with
proportionate annual percentage rate during the cooling-off period (as defined by the relevant Lending Partner) without
any penalty by raising a request and sending a message on the MobiKwik platform. Terms and conditions of
prepayment will be mentioned in the Loan Documents.
8. Zip Services are provided as a credit line via one of the Lending Partners. You consent to MobiKwik sharing your basic
details with the Lending Partners who reserve the right to use such information with your explicit consent, to approach,
make enquiries, obtain information, from any person including other banks/finance entities/credit bureaus, to assess
your track record, credit risk, or for establishing contact with the borrower. You have the right to deny consent for use of
specific data, restrict disclosure to third parties, revoke consent already granted for collecting your data and make the
MobiKwik application delete/forget your data. If you wish to do any of the aforesaid, you may refer to MobiKwik's
privacy policy and get in touch with us on the MobiKwik platform. You may choose to delete your account at any point
of time by contacting us on the details mentioned in the privacy policy. With this we will no longer provide your data for
external processing. However, in all cases we retain your personal data as long as the purpose for its usage exists,
after which the same is disposed off by us except for any record retention required as per applicable law. The
provisions of various laws require your transaction logs to be stored for longer periods post the deletion of an account.
Further, in the event of the pendency of any legal / regulatory proceeding or receipt of any legal and / or regulatory
direction to that effect, we may be required in accordance with applicable laws to retain your personal data for longer
periods.
9. In case a User delays the repayment, it will be reported to the bureaus as non-payment. This will adversely impact the
User's credit score, thus reducing the User's chances of credit and loan approvals in future.
10. Limit of this facility may be frozen if the User fails to make payment by the due date and no further transaction will be
allowed using Zip Services.
11. MobiKwik and/or the Lending Partner will share the repayment schedule as part of the Loan Documents at the time of
sanction and the User agrees to abide/agree to it.
12. Your credit limit may be increased by the Lending Partners pursuant to obtaining your explicit consent for the same.
13. User shall pay all dues for total outstanding via payment modes shared by the Lending Partners.
14. The validity of the Zip by MobiKwik account is 1 year and is subject to auto renewal after one year.
15. By clicking on the tab/ button/ checkbox of "I Accept" or any other button/ checkbox of similar nature: (i) You confirm
that You are eligible under Applicable Law to avail the Facility, (ii) You consent to avail and use the Facility as per the
terms and conditions of these Facility Terms and Loan Documents; and (iii) You consent to receive communications,
notices and information from MobiKwik and our business partners, service providers, authorized third parties etc.
(whether through SMS, emails, phone calls, automated phone calls or by any other means). Electronic communications
shall be deemed to have been received by you when MobiKwik sends the electronic communication to the email
address/ mobile number/ details provided by you or any other third party. You agree that you will not hold MobiKwik or
its business partners/ service providers/ authorized third parties responsible for any such communications received
from MobiKwik/ our business partners/ service providers/ authorized third parties, nor will any such communication
amount to spam, unsolicited communication or a violation of user registration on the national do not call registry.
16. User acknowledges and agrees that merely by accessing the MobiKwik platform or applying for the credit facility, User
would not be entitled to avail the facility. Lending Partners would determine User eligibility to avail the facility, and in
this regard, User to provide certain information and documents as may be required by the Lending Partners as per its
policies.
17. For the purposes of ascertaining User's eligibility to avail the facility, the Lending Partners shall have the right to,
evaluate and examine: (i) the information and documents provided by User at the time of availing the facility; and (ii)
the information and documents available with the MobiKwik prior to User application for availing the facility with the
User's consent; (collectively, "User Information"). User acknowledges and agrees that the User Information may be
transferred to and used by MobiKwik and/or MobiKwik's affiliates, agents and third party service providers and Lending
Partners that are engaged by MobiKwik for the purposes of facilitating extension of the facility, including for the
purposes of determining User eligibility to avail the facility, facilitate collection of dues, determining the quantum of the
facility that may be availed by User and the repayment schedule ("Repayment Schedule") that may be offered to the
User. While undertaking such evaluation, Lending Partners, shall have the right to evaluate such other information and
documents concerning User that is available with it, as it deems appropriate. At all times, your information will be
treated by the Lending Partners and MobiKwik, as the case may be, in accordance with applicable law, these terms
and conditions and privacy policies.
1. MobiKwik reserves the right to, and stores user data for a minimum period of 10 years. MobiKwik ensures strong
access control mechanisms and layered encryption to ensure and maintain the confidentiality, integrity and availability
of the data which prevents misuse, tampering, unauthorised access, modification or disclosure of the same. The same
is attested by third-party independent auditor/auditor(s) on periodic and need-to- know / adhoc basis as per regulatory
and compliance requirements. MobiKwik strictly urges Users not to share their passwords, credentials, OTPs and other
sensitive information with anybody. MobiKwik doesn't and shall not ask the Users for the same. The card data security
is in adherence with the PCI-DSS. While MobiKwik is committed to provide its Users a safe digital experience and
observes reasonable security measures to protect User's data, however there might be reasons outside of the
MobiKwik's control affecting User’s data.

18. MobiKwik shall maintain necessary records in respect of the facility entered into by User and amounts due in respect of
the facility. User agrees that such records as maintained by MobiKwik shall be sufficient proof of the transactions
entered into by the User as per applicable laws, which User shall not dispute.
19. User acknowledges and agrees that MobiKwik may stop (permanently or temporarily) accepting the facility as a
payment option for products, at its sole discretion, without prior notice to the User. User's discretion to stop using the
facility for payment shall not affect the User's obligation to repay the amounts due and payable by the User as per
these facility terms and Loan Documents.
20. User acknowledges and agrees that the Lending Partners may cancel/ suspend/ terminate the facility (whole or part) at
any time, with or without prior notice to User. Any outstanding amounts to be paid to the Lending Partners by User,
under the Facility, shall continue to be governed by these facility terms and Loan Documents.
21. User warrant that all the User Information provided by User for availing the facility, shared by User with MobiKwik, is
accurate and up to date. MobiKwik can verify the User Information shared by User and communicate to the Lending
Partners regarding refusal to extend the facility.
22. User agrees to use the Facility only for purposes that are permitted by these facility terms, Loan Documents and any
applicable law as amended from time to time.

23. User acknowledges and agrees that MobiKwik shall have the right to facilitate collection of the payments due under the
Facility on behalf of its Lending Partner(s), either directly or through agents or third party service providers

24. Website link of the Lending Partner is listed below for your ease of access and reference:
Lendbox: https://www.lendbox.in/channel-partner-investor

25.
25. Details of MobiKwik's Nodal Grievance Officer are as under:
Name: Prashant Gandhi
Email ID: nodal@mobikwik.com
Address: One MobiKwik Systems Limited Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road,
Sector-53, Gurugram 122003

26. Without prejudice to MobiKwik rights under applicable law, User understands and agrees that as permitted by the
Lending Partners, in the event of User inability to repay the facility amount due and payable, or any other breach of
these facility terms, MobiKwik on behalf of its Lending Partners would be entitled to facilitate recovery of the amounts
due in respect of the facility in any manner as they deem fit, and take or request any third party to take such other
measures in this regard, including but not limited to limiting/ terminating access to MobiKwik platform.
27. User acknowledges and agrees that after opting for the facility, MobiKwik would send statement (or statements in
respect of such other periodicity as is determined by MobiKwik) of the facility availed and outstanding, to User's email
address and/or phone number registered with MobiKwik, its service provider and/or authorized third parties. In addition,
MobiKwik either directly, would also have the right to send User alerts, reminders, or other communications regarding
instalments/ payments due and payable as per the invoice. For the said purposes, the mode of communication may be
determined by MobiKwik and such mode of communication may include phone calls, SMS, in-app messages and push
notifications, in-app chat, and/or through the customer service call line, as the case may be, or any other mode of
communication as may be decided by MobiKwik.
28. FORCE MAJEURE
MobiKwik shall not be held liable for any delay of or failure to comply with any of the terms of this Facility Terms, nor
shall any such delay or failure be deemed a default when such delay or failure has been caused primarily by any
circumstances beyond the reasonable control and without the fault of MobiKwik affected, including but not limited to
fire, war, insurrection, government restrictions, act of terrorism, computer system failure or act of God or such other
event which is beyond the control of MobiKwik ("Force Majeure Event"), provided that such affected Party uses due
diligence to mitigate the effects of the Force Majeure Event on the performance of its obligations under this facility
terms.
29. Indemnification

MobiKwik shall not be responsible or liable for any loss or damage, howsoever caused or suffered by User arising
out of the use of the facility or inability to repay the facility or due to failure to facilitate provision of the facility to User
for any reason whatsoever including but not limited to User's non-compliance with the facility terms, Loan
Documents, User’s lack of eligibility under these facility terms, partial or total failure of any network terminal, data
processing system, computer telecom transmission or telecommunications system or other circumstances whether
or not beyond MobiKwik's control or the control of any person or any organization involved in the above mentioned
systems.
MobiKwik will not be liable for and hereby disclaims any and all liability arising out of or related to damages of any
kind (including bodily injury/harm and death) arising from the use of the facility offered including, but not limited to
direct, indirect, incidental, punitive, and consequential damages.
MobiKwik shall not be liable for any content on the MobiKwik platform that User may find indecent, offensive or
objectionable. User shall use the Facility at his/her own risk.
User agrees to indemnify and keep MobiKwik, its affiliates and licensors against all costs, expenses, damages,
losses and liabilities incurred or suffered by MobiKwik or its affiliated companies and licensors related to any content
posted or transmitted by User during the use of the facility or the MobiKwik platform and/or for using the Facility in
contravention of applicable laws, these facility terms and the Loan Documents.
30. Conflict
In the event of any contradiction or inconsistency between these facility terms and any other terms of use or privacy
policy of MobiKwik, these facility terms shall prevail unless the exception has been expressly agreed to in writing.
31. Disclaimer
MobiKwik and its representatives, officers, employees, agents and contractors shall not be liable for any loss, damage,
claim, expense, cost (including legal costs) or liability arising directly or indirectly from your use or non use of the facility
and the products, or your reliance upon the facility or the information contained on the MobiKwik platform (whether
arising from MobiKwik or any other person's negligence or otherwise).
32. Governing law and dispute resolution
(a) These terms shall be governed by, and construed in accordance with, the laws of India, without reference to
principles of conflicts of law. The Courts of Gurgaon shall have exclusive jurisdiction over any dispute arising from or
relating to these terms and/or in relation to the facility.

(b) You expressly consent to the jurisdiction of said Courts and waive any objection to such personal jurisdiction based
on forum inconvenience or any other basis.

33. SETTLEMENT OF DISPUTES AND GOVERNING LAW

Any differences or disputes arising out of or relating to these terms shall be settled amicably in the first instance.
Unresolved disputes or differences shall be referred to a sole arbitrator, who shall be appointed by MobiKwik only and
User shall have no objection to the same. The arbitration shall be governed by the Arbitration and Conciliation Act,
1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in
force. The award of the arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration
proceedings shall be Gurgaon and shall be conducted in the English language only. Laws of India shall govern these
terms, the documentation pursuant hereto and Courts in the City of Gurgaon having exclusive jurisdiction over all
aspects governing the interpretation and enforcement of these terms and other documentation pursuant hereto.
34. Bureau Partner Terms of use: In connection with submission of the application for my credit information ("Consumer
Credit Information") offered by CRIF High Mark ("CIC") through One MobiKwik Systems Limited (referred to as the
"Company") and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the
following:

1. The Company is my lawfully appointed agent and he/ it has agreed to be my agent for the purposes, including,
without limitation, to receive the Consumer Credit Information from CIC on my behalf on a monthly frequency for a
period of 12 months and use it in the manner consistent with the Agreement entered into between the Company and
CIC, and the Company has granted its consent for being appointed for the aforesaid purpose.
2. I grant my unconditional consent to the Company to receive the Consumer Credit Information from CIC on my behalf
and use it in the manner consistent with the consistent with the Agreement entered into between the Company and
CIC, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I
hereby represent and acknowledge that the Terms of Understanding in relation to the use of the Consumer Credit
Information has been agreed between me and the Company.
3. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and/ or transfer my Consumer Credit
Information to the Company on my behalf.
4. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out
of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company; (b) any use,
modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information,
whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit
Information to the Company; (d) for any use made by the Company which is contrary to the Agreement entered into
between the Company and CIC

5.
 5. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me
to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the
implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.
6. I agree that I may be required to record my consent/ provide instructions electronically and in all such cases I
understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Company
authorizing Company to obtain my Consumer Credit Information from my personal credit profile from CRIF High
Mark. I further authorize Company to obtain such information solely to confirm my identity and display my Consumer
Credit Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree
to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my
authorization for Company to obtain my Consumer Credit Information.
7. I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit
Information from CIC.
8. By submitting this registration form, I understand that I am providing express written instructions for Company to
request and receive information about me from third parties, including but not limited to a copy of my consumer
credit report and score from consumer reporting agencies, at any time for so long as I have an active Company
account. I further authorize Company to retain a copy of my information for use in accordance with Company's
Terms of Use and Privacy Policy.
9. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN "AS-IS", "AS AVAILABLE" BASIS AND CIC
EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
10. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely
release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors
and assigns, jointly and individually (hereinafter "Releasee"), from any and all manner of liabilities, claims, demands,
losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses"),
whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have
against the Releasee with respect to the submission of my Consumer Credit Information and/ or my decision to
provide CIC with the authority to deliver my Consumer Credit Information to the Company. I agree to defend,
indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against
CIC L by third parties arising from and in connection with this letter.
11. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the
exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. CIC is entitled to assign
its rights hereunder to any third person without taking my prior written consent.
12. The bureau reporting of this loan/credit line will be done in the name of 'Transactree Technologies Pvt Ltd' which is
the registered name of Lendbox.

Consumer Consent for accessing Consumer Credit Information Report (CIR)

I hereby appoint One Mobikwik Systems Ltd_ (hereinafter referred as "Company"), having its registered office at Unit No.
102, 1st Floor, Block-B, Pegasus One, Golf Course Road, Sector-53, Gurugram, Haryana-122003, India, as my lawful
agent to receive my credit report/credit history ("Credit Information") from Credit Information Companies ("CICs").

I further authorize the Company to share with ClCs, my personal information/details to procure my Credit Information on a
monthly frequency and use the same to facilitate provision of Facility to me ("Purpose").

I understand and acknowledge that the CIC shall not be liable under law or equity, in any manner whatsoever, for
providing my Credit Information to the Company and I will not raise any claim or objections against the CIC.

I confirm that this consent is given by my free will and not due to any solicitation by any person/entity.
This consent/authorization shall be valid for (i) a maximum period of 06 (six) months, from the date of giving the same, (ii)
satisfying the Purpose or (iii) until I withdraw my consent at any time, by informing the same to the Company, at their
registered office address, website, assigned email id or mobile application, whichever is earlier.

I also consent to the CRIF High Mark Credit Score Terms of Use.
This Loan Agreement ("Agreement") is executed at Delhi on this User Device ID NA IP Address 137.97.75.243,
162.158.198.132, 10.10.145.124 Timestamp 11-06-2023 10:38:04

BY AND BETWEEN

Lender(s) registered with Transactree Technologies Private Limited ("Lendbox"), a P2P NBFC licensed by the Reserve Bank
of India, on the platform www.lendbox.in

AND

The "Borrower" as described in Annexure 2 hereunder, which expression unless repugnant to the context shall mean and
includes its legal representatives, permitted assigns and successors.

The Lender and the Borrower are hereinafter individually referred to as the "Party" and collectively as the "Parties".

WHEREAS the Parties have agreed to enter into this agreement on the terms and conditions contained hereinafter as
follows:
 1. The Lender agrees to lend to the Borrower and the Borrower agrees to borrow an unsecured line of credit ("Loan") in
accordance with the terms and conditions mentioned in Annexure 2 and {Zip T&Cs}.
2. The Lenders for the Loan will be determined by Lendbox. The Lender to this Loan may be more than one depending
on the total Loan amount. For detailed lender information visit www.lendbox.in
3. Lendbox has entered into an agreement with One Mobikwik Systems Limited (hereinafter referred to as the "Partner" or
"Mobikwik"). The Borrower is a customer registered on the PARTNER'S platform and BOTH PARTIES agree that the
terms of this agreement are subject to the terms and conditions laid down in the agreement signed between Lendbox &
PARTNER - described in detail in Annexure 1.
4. Lendbox has authorized various third parties to provide services with regard to onboarding, management and
collections from the Borrower and act as a customer touch points besides Lendbox's own personnel. These third
parties also include One Mobikwik Systems Limited ("Mobikwik") and its agents.
5. The Parties acknowledge that the transaction of lending and repayment is being facilitated by Transactree
Technologies Private Limited (hereinafter "Lendbox") through their platform. Lendbox shall partner with Mobikwik,
whereby the Loan will be facilitated via the online account opened for the Borrower on the mobile application or website
operated by Mobikwik, hereafter called the "Service Platform". The Loan may be availed by the Borrower through the
Service Platform.
6. The Lender(s) shall deposit funds through the Service Platform, and the Partner shall transfer these funds in the
account specified by Lendbox, being the Lender funding escrow account of Lendbox for Lender deposits. The amount
shall be transferred and disbursed from the Nodal account set up by Lendbox and Partner for disbursements in no later
than 48 hours from the time of funding of the escrow account by the Lender, subject to any banking holiday and such
delay if any will not change the terms and conditions of the Loan repayment in any manner. It is the Partner's
responsibility to transfer the amount into Borrower's account or into any other account identified by the Borrower, such
as the merchant etc. from the nodal account. The Borrower shall deposit the repayments for the Loan through the
Service Platform, and the Partner shall transfer these repayments in the account specified by Lendbox, being the
escrow account of Lendbox for repayments based on the terms and conditions of the loan repayment mentioned in {Zip
T&Cs}.
7. The Borrower shall repay the Loan (including interest, additional interest and other charges thereon) in accordance
with {Zip T&Cs}. It is hereby clarified that the Lendbox acting on behalf of lender(s) reserves the right to modify
including increase, decrease or suspend the line or credit mentioned in {Zip T&Cs} at any time, at its sole discretion. In
the event of any material and significant modification to {Zip T&Cs}, Lendbox shall issue a fresh Sanction Letter, in the
manner provided in Annexure 2 to the Borrower.
8. The Loan is unsecured and no security has been provided by the Borrower to the Lender to secure his repayment/
payment obligations in terms of this Agreement.
9. The Borrower may, subject to applicable law, prepay the entire outstanding Loan Amount along with interest, additional
interest and other charges as applicable, at any time as per the repayment schedule specified in {Zip T&Cs}.
10. Each Party represents and warrants that it is entitled to enter into this Agreement and to undertake the obligations
herein contained. The Lender represents and warrants that the funds for the Loan as specified in Annexure 2 shall be
ready and available in the escrow account of Lendbox on or prior to the date of this Agreement, failing which the
repayment schedule, Loan due date, billing date etc would be altered.
11. Each Party further represents and warrants that its respective signatory, as applicable, to this Agreement are duly
authorized to execute the same in a manner binding upon the Party and that all approvals and procedures necessary
for vesting such authority in its signatory have been duly obtained and complied with.
12. The occurrence of any of the following events, or events similar thereto, shall each constitute an event of default
("Event of Default"):
 1. The Borrower does not pay any amount due and payable pursuant to this Agreement in accordance with the terms of
this Agreement on the date such amount is payable;
2. The breach of, or omission to observe, or default by the Borrower in observing any of its obligations, covenants,
warranties, undertakings under this Agreement;
3. Any representation or statement made or deemed to be made by the Borrower in this Agreement or any other
document delivered by or on behalf of the Borrower under or in connection with the Agreement being or being proven
to have been incorrect or misleading when made or deemed to be made; or
4. The Borrower is declared insolvent or files for insolvency or any attachment, distress execution or any other such
process is initiated against the Borrower.
13. Upon the occurrence of an Event of Default, the Lender and Lendbox on behalf of the Lender, shall, without the
requipxent of serving any notice/default notice to the Borrower:

1. declare that the Loan Amount, together with accrued interest, additional interest and all other amounts accrued or
outstanding under this Agreement be immediately due and payable, whereupon they shall become immediately due
and payable;
2. encash or present for encashment, the undated, postdated, signed cheques provided as Collateral in order to
recover any or all of the amounts outstanding to the Lender; or
3. exercise such other rights as may be available to the Lender under Applicable Law.
14. This Agreement shall come into force on the date of execution of this Agreement and shall remain in full force until the
repayment of the entire portion of the Loan Amount along with all interest, additional interest, dues, charges, taxes as
may be applicable.
15. The Parties agree and undertake that they shall, at all times, during the continuance of this Agreement, ensure that all
the terms and conditions of this Agreement and all information relating to the Loan Amount shall be kept confidential
("Confidential Information") and they shall not disclose any information relating to this Agreement to any third party,
without the prior written consent of the other Party other than information relating to:

1. information and data relating to it;

2. information or data relating to any credit facility availed by / to be availed by it;
3. default if any committed by it in discharge of our such obligation, as the Lender may deem appropriate and
necessary to disclose and furnish to credit information agencies and any other agency authorized in this behalf by
Reserve Bank of India; which shall not be considered confidential in nature.
16. The Borrower agrees and undertakes that the information and data furnished by it to the Lender and to Lendbox
pursuant to this Agreement and in relation thereto, are true and correct and consents that any agency authorized by
the Lender or Lendbox may use and process the information and data provided under this agreement.
17. The Borrower shall indemnify and hold the Lender and Lendbox harmless from and against any and all loss, damage
or other consequences which may arise or result from giving the Loan to the Borrower and shall reimburse the Lender
and/or Lendbox upon demand all such sums and shall upon request appear and defend at the Borrower's own cost
and expenses any action which may be brought against the Lender in connection therewith and shall accept the
statement of account presented by the party claiming the loss as conclusive proof of the correctness of any such claim
to be due from him.
18. The Agreement shall be governed by the laws of India and courts at Delhi shall have exclusive jurisdiction to settle any
disputes which may arise out of or in connection with this Agreement. The Parties irrevocably agree to submit to that
jurisdiction, to the exclusion of other Courts.
19. The Borrower shall reimburse and pay to the Lender all costs, charges and expenses, including stamp duty and legal
costs on actual basis and other charges and expenses which may be incurred in preparation of these presents and
related to and or incidental documents and enforcement of the rights of the Lender there under or any other document
security created / executed by the Borrower in favour of the Lender.
20. The Borrower shall not assign any of its rights or obligations under this Agreement. The Lender may assign this
Agreement and all rights hereunder or transfer the benefit of the whole or any part of this Agreement to any third party
through Lendbox, without the prior consent of the Borrower. Lendbox shall inform the Borrower of such assignment
through their platform www.lendbox.in within 5 working days of such assignment.
21. Notwithstanding anything contained herein, the parties agree that they have authorized Lendbox to appoint a suitable
agency as the recovery agent ("Recovery Agent") for recovery of any amounts due and payable under this Agreement.
The Recovery Agents shall take all such reasonable steps as might be necessary for recovery; however, the Recovery
Agents do not guarantee an assured recovery of dues. That the charges being levied by the Recovery Agent shall be
to the account of the Lender. The Parties understand that Lendbox is only offering its assistance in recovery on
account of a default and in no manner is liable for any default, being a marketplace for prospective lenders and
borrowers to meet and interact. For the purpose of this Loan, The Recovery Agent shall be Partner and it's service
providers or sub-agents.
22. The rights, powers and remedies given to the Lender by this Agreement shall be in addition to all rights, powers and
remedies given to the Lender by virtue of any other security, statute or rule of law.
23. The Parties hereto confirm and acknowledge that this Agreement shall constitute the entire agreement between them
and shall supersede and override all previous communications, either oral or written, between the Parties with respect
to the subject matter of this Agreement, and no agreement or understanding varying or extending the same shall be
binding upon any Party hereto unless arising out of the specific provisions of this Agreement.
24. No amendment, modification or addition to this Agreement shall be binding on all the Parties hereto unless set forth in
writing and executed by them or through their duly authorized representatives.
25. If any term, provision, covenant or restriction of this Agreement is held by a court of competent jurisdiction to be invalid,
void or unenforceable, the remainder of the terms, provisions, covenants and restrictions of this Agreement shall
remain in full force and effect and shall in no way be affected, impaired or invalidated.
26. Any notice or demand hereunder shall be in writing and sent through post at the address specified above or the
address last known to the Party sending the notice. Any notice sent under this agreement shall be deemed to be
delivered 2 business days following the dispatch of the notice.
IN WITNESS WHEREOF, THE PARTIES HAVE EXECUTED AND DELIVERED THIS AGREEMENT ON THE DAY AND
YEAR FIRST ABOVE WRITTEN.

For and on behalf of Lender For and on behalf of Borrower

(customer name as in Annexure 2)

.............

{UserName}
 Annexure 1

PARTNER: One Mobikwik Systems Limited (CIN - U64201HR2008PLC053766)

Lendbox has entered into a service agreement with One Mobikwik Systems Limited dated 2023-06-11 to provide Line of
Credit to their customers.

Annexure 2

Part A: Details of Borrower

# Description Particulars

1 Name ANEESH KRISHNAN UNNIKRISHNAN

2 PAN Number ADMPU7933K

3 Mobile Number 8921954703

4 Email Address aneeshoptimistic1993@gmail.com

5 Residential Address S O K S Unnikrishnan Sarayu Bhavan Gand, hi Mukku Kollam, , Kollam, Kollam,
KL, IN

6 Particulars for Notice Name of Contact Person: Same as

above
Address: Same as above
Phone Number:
Same as above
Email id: same as
above

Part B: Details of the Loan

# Description Particulars

1 Lender Name Lender(s) registered on Transactree Technologies Private Limited's platform "
Lendbox"

2 Sanction Date 2023-06-11

3 Maximum Sanction 1000.00
Limit

4 Term 36 months

5 Billing Cycle Bi-Monthly

6 Billing Date 1st and 16th of every month

7 Due Date 5th and 20th of every month