Terms of Use

Preamble

As modified by the Information Technology Act of 2000, this document is an electronic record according to applicable regulations, the amended requirements for electronic records in several legislation, and the Act itself. This electronic document was created by a computer system and does not require digital or physical signatures.

The Information Technology (Intermediaries Guidelines) Rules, 2011, Rule 3 (1), which requires the posting of rules, regulations, privacy policies, and Terms of Use for access or usage of the domain name www.mongipa.com and related applications, is followed in its publication. Kindly carefully read these terms and conditions ("Terms"). You acknowledge and agree to be bound by these Terms by clicking "I accept" or "I agree," or by downloading, installing, or using the services. Please refrain from clicking "I accept" or "I agree," when downloading, installing, or using the services if you do not agree.

1. Who We Are & Acceptance of Terms

Moongipa Capital Finance Ltd ("MCFL" or "the Company") is a Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI) under the RBI Act, 1934 (Reg. No. N-14.03416) and listed on BSE Limited (Code: 530167). These Terms and Conditions ("Terms") govern access to and use of the Company's website, digital platforms, online services, and any information, products, facilities, or services made available through such platforms.

• You are competent to contract under the provisions of the Indian Contract Act, 1872;
• All information provided by you is true, accurate, and complete;
• You shall comply with all applicable laws while accessing or using the Website; and
• You shall periodically review these Terms for any updates or modifications.

These Terms shall be read together with the Company's Privacy Policy, Fair Practices Code, and other policies published on the Website. In case of any inconsistency, applicable law and regulatory requirements shall prevail.

2. Data, Privacy & Credit Bureau Consent

By accessing or using the Website, you acknowledge and consent to the collection, storage, processing, and use of information in accordance with the Company's Privacy Policy and applicable laws. MCFL may disclose, share, or verify information with:

• Regulatory authorities, government agencies, statutory bodies, and law enforcement authorities;
• Credit Information Companies (CICs) authorised under applicable law;
• Service providers, auditors, consultants, legal advisors, and business partners;
• Any other entity where such disclosure is required under law, regulation, court order, or contractual obligation.

MCFL shall take reasonable security measures to safeguard information against unauthorized access, alteration, disclosure, or destruction. Information shall be retained for such period as required under applicable laws, RBI directions, anti-money laundering requirements, and internal record retention policies. By providing contact details to MCFL, you consent to receiving communications through telephone calls, SMS, e-mail, WhatsApp, mobile applications, or other electronic modes regarding Company services, regulatory communications, account-related information, investor communications, and other lawful business purposes, subject to applicable laws.

3. Website Use & Intellectual Property

Users shall use the Website solely for lawful purposes and shall not:

• Copy, reproduce, distribute, modify, publish, transmit, display, or commercially exploit Website content without prior written consent of MCFL;
• Use automated tools, bots, crawlers, scrapers, or similar technologies to access Website content;
• Attempt unauthorized access to any systems, networks, servers, databases, or resources of MCFL;
• Introduce malware, viruses, harmful code, or engage in activities that may disrupt Website functionality;
• Misrepresent identity or provide false information while interacting with the Website.

All trademarks, logos, trade names, service marks, designs, software, text, graphics, and other intellectual property appearing on the Website are owned by or licensed to MCFL and are protected under applicable intellectual property laws. Unauthorized use may result in civil and/or criminal liability. MCFL shall not be liable for any interruption, delay, technical malfunction, virus attack, unauthorized access, data loss or any indirect or consequential damages arising from the use of the Website, except to the extent required under applicable law.

4. Grievance Redressal

For any complaint, query, feedback, or grievance relating to the Website or services of the Company, users may contact:

• Grievance Officer: Mr. Mohd Javed Qureshi
• Email: info@moongipa.com
• Address: 18/14, W.E.A., Pusa Lane, Karol Bagh, New Delhi – 110005
• Resolution Time: Acknowledged within 5 Business Days | Resolved within 30 Business Days
• Escalation: RBI Ombudsman via CMS portal: https://cms.rbi.org.in

Customers not satisfied with the resolution may approach the Reserve Bank Integrated Ombudsman Scheme through the RBI Complaint Management System (CMS) Portal.

5. Governing Law, Jurisdiction & General

These Terms shall be governed by and construed in accordance with the laws of India. Any dispute arising out of or relating to these Terms shall first be attempted to be resolved amicably.

Failing such resolution, the dispute shall be referred to arbitration in accordance with the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be New Delhi, India, and proceedings shall be conducted in the English language. Subject to the foregoing, courts situated at New Delhi shall have exclusive jurisdiction.

6. Modification of Terms

MCFL reserves the right to modify, amend, update, or replace these Terms at any time without prior notice.

Revised Terms shall become effective upon publication on the Website. Continued use of the Website after such publication shall constitute acceptance of the revised Terms.

7. Assignment

Users may not assign or transfer any rights or obligations under these Terms without prior written consent of MCFL.

MCFL may assign, transfer, or novate its rights and obligations under these Terms in accordance with applicable laws and regulatory requirements.

8. Severability & Waiver

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Failure by MCFL to enforce any provision shall not constitute a waiver of any right or remedy available to it.

9. Get in Touch

For any queries regarding these Terms, Website policies, investor information, or Company services, please contact:

• Email: info@moongipa.com

MCFL shall endeavour to respond to all legitimate communications within a reasonable period.