Terms and Conditions

This document is published in accordance with the provisions of Rule of the Information Technology
(Intermediaries Guidelines) Rules, 2011 which require the publishing of the rules and regulations
governing the use and access of www.getshopse.com and the ShopSe services (defined below), or any
other portal as may be launched by Newbazaar Technologies Pvt Ltd ('ShopSe website') or any mobile
application owned or operated by Newbazaar Technologies Pvt Ltd. It is an electronic record in terms of
the Information Technology Act, 2000 and Rules thereunder as applicable and the amended provisions
pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000.
This electronic record is generated by a computer system, does not require any physical or digital
signatures.
These terms and conditions (‘T&C’), and all applicable policies which are herein incorporated by way of
reference govern your rights and obligations as a user of the services provided by Newbazaar
Technologies Pvt Ltd (defined below) to ShopSe Users (defined below), while accessing and using the
ShopSe online application and/or availing the ShopSe Services (‘Site’ or ‘mobile application’) as may be
rendered by Newbazaar Technologies Pvt Ltd, a company incorporated under the laws of India and
having its registered office at “Nandan Spectra Flat No. 602, Sr No. 23, 2AP, 2BP, 2EP, Ramnagar, Pune
411045” (‘Newbazaar Technologies’’). You agree and acknowledge that the ShopSe Services may be
provided by Newbazaar Technologies, through its partner merchants and/or third-party banks or financial
institutions.
By availing the ShopSe Services, you agree to be bound by these T&C, including any additional
guidelines and future modifications issued by Newbazaar Technologies from time to time. If at any time
you do not agree with these T&C, you shall immediately cease your use of such ShopSe Services.
Newbazaar Technologies reserves the right to amend, add, or remove portions of these T&C, from time to
time, without notice to you by posting revised T&C on the ShopSe website and/or mobile application.
Shopse website, mobile application, and any other site or electronic means used by Newbazaar
Technologies for providing the services are hereinafter collectively referred to as ShopSe Platforms.

Your access to and use of the ShopSe Platforms and the ShopSe Services are conditional upon your
acceptance of and continuous compliance with these T&C at all times. By accessing, browsing and/or
using the ShopSe Platforms and/or availing any of its services, including ShopSe Services, you agree to
be bound by these T&C, including all rules, guidelines, policies, terms, and conditions applicable to the
ShopSe Services being provided by Newbazaar Technologies ('Policies'), as may be modified by
Newbazaar Technologies from time to time, which shall be deemed to be incorporated in these T&C by
reference, unconditionally and at all times. Newbazaar Technologies shall have the sole right to change,
modify, add or remove these T&C or any of its Policies relating to the provisions of access to the ShopSe
Platformsand ShopSe Services, at any time without any prior written notice of intimation. It is hereby
clarified that you shall be responsible for reviewing the T&C and Policies on the ShopSe
Platformsperiodically and keep yourself updated with any change in the T&C and Policies. In fact,
ShopSe Users should periodically review this page for the latest information on our T&C and Policies.
Once posted, those changes are effective immediately unless stated otherwise. Continued access or use of
the Services constitutes your acceptance of the changes and the amended T&C and Policies. However, if
you do not agree with the changes, please do not continue to use the Services or submit information to us.

Definitions
“Credit Information Companies” or “CIC” shall mean TransUnion CIBIL Limited (Formerly Credit
Information Bureau (India) Limited), Equifax Credit Information Services Private Limited, Experian
Credit Information Company of India Private Limited, CRIF High Mark Credit Information Services
Private Limited or any other credit information companies which has been granted a certificate of
registration by Reserve Bank of India (RBI).

“Credit Information” shall mean any information relating to (i) the amounts and the nature of loans or
advances, amounts outstanding under credit cards and other credit facilities granted or to be granted, by a
credit institution to any borrower; (ii) the nature of security taken or proposed to be taken by a credit
institution from any borrower for credit facilities granted or proposed to be granted to him; (iii) the
guarantee furnished or any other non-fund based facility granted or proposed to be granted by a credit
institution for any of its borrowers; (iv) the credit worthiness of any borrower of a credit institution; or (v)
income and/or expense details of any borrower.
“KYC” shall refer to the documents under the ‘know your customer’ guidelines issued by the Reserve
Bank of India and shall include address proof, identity proof, income proof, PAN or such other officially
valid documents.

“Payment Instrument” includes credit card, debit card, bank account, Prepaid Payment Instrument or
any other instrument issued under applicable law, used by a ShopSe User to pay the Transaction Amount
to Partner Merchant.

“Personal Information '' means ‘personal information’ and ‘sensitive personal date or information’ as
defined under the Information Technology (Reasonable Security Practices and Procedures and Sensitive
Personal Data or Information) Rules, 2011 as amended from time to time.

“Transaction” means an order or request placed by the ShopSe User with the Partner Merchant (or a
third party vendor availing of Partner Merchant’s services) by paying the Transaction Amount to the
Partner Merchant, using ShopSe Services, to (i) purchase products or; (ii) avail of services.

“Transaction Amount” means the amount paid by the ShopSe User in connection with the Transaction.

Eligibility
1. The ShopSe User is 18 years of age or above, an Indian Citizen and a tax resident of India;
2. The ShopSe User is not barred or otherwise legally prohibited from accessing or availing the
services of ShopSe, the Financial Institutions and/or the ShopSe Partner under the applicable laws
and regulations;
3. The ShopSe User is capable of entering into a contract /legally binding agreement; and
4. The ShopSe User is going to avail the ShopSe Services and/or the loan proceeds only for legitimate
purposes and not use the ShopSe Services and/or the loan proceeds for any illegal or prohibited
purposes.
Disclaimers and Disclosures
a. ShopSe is only providing a digital platform to ShopSe Users, Financial Institutions and ShopSe
Partners for providing services to the ShopSe Users; ShopSe is not providing any financing in form of a
direct credit line or conversion of a transaction into EMI or cashbacks to make the transaction as a no cost
EMI for the ShopSe User; the Financial Institutions are the registered entity with Reserve Bank of
India(RBI) and is authorised to provide the credit products as per its certificate of registration issued by
RBI.
b. The financing provided by the Financial Institutions will be subject to and governed by their terms
and conditions, loan agreement, loan application form, privacy policy, key fact statements and/or any other
documents accepted or executed by the ShopSe User as part of the Transaction process or separately agreed

and accepted by the ShopSe User with the Financial Institution. The aforesaid documents shall govern the
borrower and lender relationship between the ShopSe User and the Financial Institution. The Financial
Institution or ShopSe on behalf of the Financial Institution will share these documents through email/SMS
with the ShopSe User and/or will make it available on the Financial Institution’s website/app. ShopSe may
also make some of the documents/information available on the ShopSe Platform as per the ShopSe User
consent and/or the information provided by the Financial Institution.
c. ShopSe shall not take any responsibility or be held liable in any manner whatsoever for the services
being offered by ShopSe Partners or the Financial Institution on the ShopSe Platform or any acts or
omissions attributed to them or any other person (other than ShopSe) acting on behalf of them.
d. ShopSe has no role in determining the KYC procedure, credit analysis, sanction/approval/rejection
of the loan/financing facility/conversion to EMI and it shall be at the sole discretion of the Financial
Institution.
e. The sanction/approval of loan/financing facility shall be subject to credit analysis, completion of
KYC requirement, execution of loan agreement, and/or any other document by the ShopSe User to the
satisfaction of the Financial Institution.
f. ShopSe User will need to pay applicable EMI and interest on the total value of the order at the time
of payment to the Financial Institution in accordance with the terms applicable to the Payment Instrument
used. In the case of a no cost EMI transaction, the interest cost charged by the Financial Institution overtime
is given back to you upfront at the time of the purchase and netted off in the Invoice amount. ShopSe is
under no obligation or is not liable to the ShopSe User for crediting/providing any cashback unless and
until the ShopSe Partner and/or the Financial Institution (providing the financing facility or the cashback
offer through ShopSe platform) has provided the amount to ShopSe.
g. ShopSe may provide services to ShopSe Users as well as to the ShopSe Partners or Financial Institutions
at the same time under the T& C in different capacities. ShopSe may act on behalf of the ShopSe Partners
or Financial Institutions for collecting the information of the ShopSe User, facilitating the processing of
loan application, the loan management, and the collection of the overdue amount from the ShopSe User. At
the same time, ShopSe may either itself or through third party service providers provide additional or
standalone services to the ShopSe Partner including services of payment aggregation and may carry out the
instructions as provided by the ShopSe Partner. ShopSe does not envisage any conflict of interest as it will
act in different capacities while providing services to the ShopSe User and/or ShopSe Partners or Financial
Institutions. In case any conflict of interest arises, ShopSe will inform the affected ShopSe Users and may
take all the necessary steps to mitigate it or discontinue any specific service.
h. ShopSe may receive fees or commissions or any monetary benefit from the ShopSe Partners or
Financial Institutions for providing the services to the ShopSe Partners or Financial Institutions or making
the ShopSe Platform available to the ShopSe Partners or Financial Institutions. ShopSe will not charge any
separate fees to the ShopSe User for making available the ShopSe Services.

ShopSe Services

 Newbazaar Technologies provides to the ShopSe Users (i) option for payment facilitation
services for purchase of product or service on specific merchant platforms or outlets ('Partner
Merchant'), wherein the ShopSe User can opt for a checkout transaction processing at Partner
Merchant stores which can be availed by the ShopSe User and make the payment in
installments, on the terms and conditions that may be accepted by the ShopSe User from time to
time (above options jointly and severally known as 'ShopSe Services'). It is clarified that

Newbazaar Technologies reserves the right to provide ShopSe service to any ShopSe User in
whole or in part.
 In order to render the ShopSe Services, Newbazaar Technologies may partner with the banks,
NBFCs or financial institutions and such other entities ('Financial Institutions') as may be
determined by Newbazaar Technologies, in its sole discretion. ShopSe may at its sole discretion
also enter into arrangements with Partner Merchants, original equipment manufacturers, brand
owners, dealers or distributors to make the ShopSe Services including any offers, discounts or
cashbacks ( including to make the Transaction a no cost or low cost EMI transaction) available
to the ShopSe User (ShopSe Partners)..
 The ShopSe User availing the ShopSe Services shall be entitled to make payment of the
purchase price of the products, subject to monetary limit(not a credit limit but a limit on
Transaction value) specified by Newbazaar Technologies or the amount approved by ShopSe’s
Financial Institutions, as the case may be, . Newbazaar Technologies reserves the right to amend
such monetary limit/ approve or reject funds in case of option as applicable to each ShopSe
User, at its sole discretion, for any reason whatsoever.
 By availing the ShopSe Services, you authorize Newbazaar Technologies or its authorized
representatives to collect the Transaction Amount from you, on behalf of the Partner Merchant
and process, facilitate and remit the payments to the Partner Merchant selling the products. It is
hereby clarified that the Transaction Amount will be either remitted directly by the financing
partner or through an escrow/nodal account as permitted by the applicable laws/regulations. In
its sole discretion, Newbazaar Technologies may use the services of third-party service
providers for completing this process.
 Upon selection of the ShopSe Service option on the Partner Merchant’s or ShopSe platform by
the ShopSe User, the ShopSe User will be required to complete the Transaction(s) through one
of the methods of authorization prescribed by Newbazaar Technologies from time to time,
including but not limited to entering the one-time password issued by Newbazaar Technologies
to such ShopSe User to complete the transaction ('Authentication Process'). Completion of the
Authentication Process, shall effectuate the Transaction vis-à-vis the Partner Merchant or the
Partner Merchant and the financial partner, as the case may be and the Transaction shall be
deemed completed and the ShopSe User hereby authorizes Newbazaar Technologies to deduct
such Transaction Amount from his/her Payment Instrument upon completion of the
Authentication Process.
 ShopSe User understands and agrees that, pursuant to the provisions under applicable laws,
approvals/ permissions, and policies of Newbazaar Technologies and Financial Institutions,
Newbazaar Technologies may be (either by itself or through an authorised third party) required
to collect physical certified true copies of account opening documents / KYC documents/
payments etc from the ShopSe User or require the ShopSe User to complete an online KYC
process. ShopSe User agrees and consents to cooperate and provide all such relevant data/
documents etc. for the purpose of verification and account opening.
 The details pertaining to the Authentication Process or KYC collection/ verification and linkage
to bank account or Transaction status shall be issued by Newbazaar Technologies and shall be
sent to the ShopSe User and you hereby give your consent to receive communications, notices
and information from us or ShopSe Partners or Financial Institutions electronically, whether
sent by e-mail or other electronic means. You hereby consent and agree that any pin, password
etc. issued by Newbazaar Technologies, shall be used or undertaken, as the case may be, only by
you, that they shall not be disclosed by you to any third party and that you shall take all such
steps, including deleting/destroying all records of pin, password etc. issued by Newbazaar
Technologies, to ensure that such unauthorized disclosure of the same is prevented. You agree
to immediately notify Newbazaar Technologies of any unauthorized use of your pin, password
etc. issued by Newbazaar Technologies or any other breach of security. It is hereby clarified that
Newbazaar Technologies will not be liable for any loss, damage or other liability arising from

your failure to comply with these provisions or from any unauthorized access to or use of the
pin, password etc. issued by Newbazaar Technologies. In the event of any dispute between 2
(Two) or more parties as to ownership of a particular OTP or any other form of authentication
(as may be specified by Newbazaar Technologies), you agree that Newbazaar Technologies will
be the sole arbiter of such dispute, at its sole discretion and that Newbazaar Technologies's
decision (which may include termination or suspension of any account subject to dispute) will
be final and binding on all parties.
 You hereby acknowledge and agree that you shall be solely responsible for immediately
notifying Newbazaar Technologies of any change in the email address and/or mobile number
registered with Newbazaar Technologies. You further acknowledge and agree that you shall be
solely liable for any losses, disputes and/or fraudulent transactions undertaken on a Partner
Merchant platform due to your failure in complying with this Clause or any other reason and
Newbazaar Technologies shall have no liabilities in this regard.
 You hereby acknowledge that you are solely responsible for the Transactions/payments made
for the products/ services purchased by you, by entering the pin, password etc. issued by
Newbazaar Technologies to you. You consent and agree to not revoke such transactions at any
time. You hereby acknowledge that other than pin, password etc. issued by Newbazaar
Technologies, entered by you for a particular transaction, Newbazaar Technologies has no
obligation, responsibility or liability to verify the Transactions authenticated and/or authorized
by you or your payment instructions.
 You hereby agree and acknowledge that upon Authentication and completion of Transactions,
the Financial Institution shall raise a statement on the ShopSe User pertaining to the transactions
undertaken by the ShopSe User through ShopSe Services ('Statement Amount') specifying
details pertaining to the timelines and manner in which the Statement Amount is required to be
repaid by the ShopSe User ('Statement') to the Financial Institution by e-mail/SMS/any other
medium as identified by Newbazaar Technologies from time to time. You, however, hereby
agree, acknowledge and confirm that Newbazaar Technologies shall not be liable under any
circumstances whatsoever in relation to non-delivery and/or delay in receipt of the Statement
whether by e-mail/SMS/any other medium as may be identified by Newbazaar Technologies,
due to default / non-delivery / delay at the end of the third party(s) telecom service provider(s)
and/or other service provider(s).
 It is hereby clarified that all products or services made available to a ShopSe User through the
Partner Merchant website/app/store are provided on an ‘as is’ and ‘as available’ basis, without
any representations and warranties, express or implied by Newbazaar Technologies. Newbazaar
Technologies does not make any representations pertaining to the information, content,
products/services included on or delivery of the products/services or otherwise made available
to a ShopSe User through the Partner Merchant and only acts as an intermediary between the
Partner Merchant and the ShopSe User. You hereby further agree, acknowledge and confirm
that Newbazaar Technologies is not responsible in any way for the product/services purchased
by you from the Partner Merchant and it is explicitly agreed by you that Newbazaar
Technologies will not in any way, under any circumstances whatsoever, be responsible or liable
for products/services purchased by you from the Partner Merchant and/or in relation to any issue
and/or dispute thereof. You hereby further agree, acknowledge and confirm that under the
aforesaid circumstances your only recourse will be against the Partner Merchant and/or the
Financial Institution and Newbazaar Technologies will not be made a party to any such issue
and/or dispute between yourself and the Partner Merchant/ Financial Institution as the case may
be.
 Newbazaar Technologies shall have the right to not process a Transaction through the ShopSe
Services, if Newbazaar Technologies in its sole discretion determines that a Transaction
undertaken by a ShopSe User is not authorised by such ShopSe User or the Transaction is not
genuine or suspicious.

 You hereby consent and agree to comply with guidelines, instructions, requests, etc., as maybe
made by Newbazaar Technologies or a Partner Merchant or Financial Institutions, as the case
may be or a payment system provider from time to time, in relation to the ShopSe Services.
 You hereby acknowledge and agree that Newbazaar Technologies shall not be liable for failure
of any Transaction undertaken at the Partner Merchant for any reason whatsoever including but
not limited to non-performance or omission or commission on the part of the Partner Merchant,
deficiency of service and/or products delivered, technical errors at the Partner Merchant . You
further acknowledge that Newbazaar Technologies shall not be responsible, in any manner
whatsoever, for any loss incurred by you for a failed / incomplete transaction undertaken by you
using ShopSe Services.
 The discretion to allow the payment lies with the Financial Institution issuing the Payment
Instrument. ShopSe will have no obligation or liability in the event the Financial Institution
refuses to process the transaction for any reason.
 The Financial Institution charges annual interest rates according to the reducing monthly
balance. In the monthly reducing cycle, the principal is reduced with every EMI and the interest
is calculated on the outstanding balance
 You understand that if you fail in timely payment of EMI, there may be additional
interests/penalty/charges which may be levied by the Financial Institutionwhich may be higher
than the discount offered under this scheme
 In case of any kind of return/refund in an EMI transaction, interest already billed in a particular
transaction will not be refundable under any circumstances
 ShopSe will not charge a processing fee or any other charge for availing the ShopSe Services.
Financial Institutions may however charge a processing fee or cancellation charges as per their
policies. Such charges shall be paid by you and will not be refundable even in the event of
return/cancellation of the order
 You may check with the respective Financial Instituionons how a cancellation, refund or pre-
closure could affect the EMI terms, and what interest charges would be levied on you for the
same
 You understand that for select products there may be a constraint on number of purchase
transactions that can be made per Payment Instrument .
 Pictures of products shown in the communication sent to the customer either through mailers
or advertised on the website, are representative only and may not bear a resemblance to the
actual products. None of the parties shall under any circumstances be responsible towards the
same.
 All government Levies like GST, Sales Tax, TDS, any Local Tax, etc., shall be payable by the
ShopSe User as applicable at the time of the respective Transaction
 You agree and undertake to submit an e-NACH Mandate (or any other method as directed by
the Financial Institution) in favour of the Financial Institution for the repayment of loan
amount and other payments. Any activation failure/ dishonor / revocation of e-NACH Mandate
will attract applicable charges. You shall maintain adequate balance in the bank account for
realization of the amount on the due date. The e-NACH mandate registration will be done on
the ShopSe User’s bank account that is registered with ShopSe/Financial Institution. The
ShopSe User understands and undertakes that ShopSe User cannot change and shall not close
this bank account till any amount is outstanding under the loan provided by the Financial
institution.
 You agree and understand that no payment in relation to the Services/loan will be accepted by
ShopSe or the Financial Institution in cash. ShopSe will not accept or collect any amount in its
own account and/or escrow/nodal accounts unless acting as a payment aggregator/gateway on
behalf of the ShopSe Partner or Financial Institution.
 You agree and understand that ShopSe may facilitate the recovery process for any overdue
amount as a facilitator of the Financial Institution and you hereby provide your consent to

ShopSe to contact you through phone, SMS, email, physical visit, and/or via Your online
account on ShopSe Platform and/or any other communication mode as may be deemed fit by
ShopSe for the said purpose. ShopSe may carry out this activity through its employees,
representative, officers or agents. ShopSe shall perform its obligation strictly as per the
applicable laws and RBI regulations.

Cancellation and Refunds

 In the event of cancellation or refunds in relation to a Transaction undertaken by ShopSe User
using ShopSe Services, such ShopSe User will continue to be liable for paying the Statement
Amount to ShopSe or Financial Institutions, as the case maybe, within the timelines specified by
them.
 Any refund/reversals initiated by the Partner Merchants in case of non-fulfillment or return of
orders will be refunded back to the ShopSe User on the original source used to make the
purchase.
 You hereby undertake and agree to pay the Statement Amount, within the timelines specified,
irrespective of cancellation/refund of a transaction. Newbazaar Technologies hereby undertakes
and agrees, that in the event of a cancellation/refund request being made by a ShopSe User in
accordance with the terms of the Partner Merchant, the refunded transaction amount (less
cancellation charges or reversal of any cashbacks, if any) ('Refund Amount') shall be refunded
back to the source of payment of such ShopSe User, within the timelines agreed with the Partner
Merchants and subject to availability of funds of the Partner Merchant. The ShopSe User will
not be eligible or request for any cash refund or adjustment of Refund Amount in any other form
including the exchange of products or services or purchase of new products/services or personal
loan. In case the ShopSe User takes any cash refund from the Partner Merchant, the ShopSe
User will be liable to settle the entire outstanding Statement Amount in full.

Indemnity
You shall indemnify and hold ShopSe (and its officers, directors, agents, affiliates, group companies,
subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action,
demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature,
including reasonable attorneys' fees, or arising out of or related to Your breach of this T&C, your violation
of any law or the rights of a third party, or your use of ShopSe Platform.

Limitation of Liability

 The ShopSe User acknowledges that Newbazaar Technologies’s liability with respect to the
ShopSe Services shall be limited and shall be as per these T&C. Newbazaar Technologies
reserves the right, in its sole discretion and without assigning any reason, to exclude certain
ShopSe Users from availing the ShopSe Services in the future.
 The ShopSe User agrees and confirms that the sole and exclusive responsibility and obligation
of Newbazaar Technologies is to ensure that the ShopSe Services are being provided in
compliance with all applicable laws, rules, and regulations.
 The ShopSe User acknowledges that the ShopSe Platforms and the ShopSe Services are being
provided on a ‘as is’ basis and may be interrupted while browsing, transacting, using, or
uploading information on the Partner Merchant website/app and / ShopSePlatform. The ShopSe
Users further agree that Newbazaar Technologies reserves the right to suspend the ShopSe
Services, forthwith without assigning any reason whatsoever, at the sole discretion of
Newbazaar Technologies.

 The ShopSe User agrees that, if it does not agree to the applicability of any of the T&C and the
Policies contained herein or other Policies on the ShopSePlatforms, then the only remedy a
ShopSe User shall have will be to not use the ShopSe Services and discontinue using its ShopSe
Account. However, till such time that the ShopSe User uses the ShopSe Platformsand avails the
ShopSe Services it shall be deemed that the ShopSe User agrees to and shall continue to adhere
and abide by the T&C and the Policies. The discontinuation of ShopSe Account or non-usage of
ShopSe Services will not impact any liability of the ShopSe User towards Financial Institutions
or Partner Merchant for the Transactions already processed through the ShopSe Platform.
 The ShopSe User agrees and confirms that the ShopSe Services are being provided by
Newbazaar Technologies on a best-efforts basis with all efforts to keep these valid and
subsisting. Newbazaar Technologies shall not in any manner be liable to a ShopSe User for
failure or delay in providing the ShopSe Services. ShopSe is not guaranteeing, representing or
undertaking that the ShopSe Services will be available at all times, to all ShopSe Users or will
be free of any errors or defects.
 You assume the entire risk of using the ShopSe Platformsand the ShopSe Services. To the
maximum extent permitted by applicable law, in no event shall Newbazaar Technologies be
liable to you for any special, incidental, indirect, punitive or consequential damages whatsoever
(including, without limitation, damages of loss of goods or services, loss of business profits,
business interruption, loss of information, or any other pecuniary loss) arising out of the use of,
or inability to use or access of the ShopSe Platformsand the ShopSe Services or for any security
breach or any virus, bug, unauthorised intervention, defect, or technical malfunctioning of
theShopSe Platforms, whether or not foreseeable and whether or not Newbazaar Technologies
has been advised of the possibility of such damages, or based on any theory of liability,
including breach of contract or warranty, negligence or other tortious action, or any other claim
arising out, of or in connection with, your use of, or access to, the ShopSe Platforms and the
ShopSe Services. Further, Newbazaar Technologies shall not be liable to you for any temporary
disablement, permanent discontinuance of the services by Newbazaar Technologies or for any
consequences resulting from such actions.
 Notwithstanding anything contained in this T&C under no circumstances shall ShopSe liability
be more than INR 10,000.


Privacy & Personal Information

 You agree that the Personal Information you provide to NewBazaar Technologies upon
registration and at the time of availing the ShopSe Services and at all other times will be true,
accurate, current and complete. You agree to maintain and update the Personal Information and
to keep the Personal Information true, accurate and complete.
 If you provide any Personal Information that is untrue, inaccurate, not current or complete,
NewBazaar Technologies has the right to suspend or terminate your ShopSe Account created on
the ShopSe Platforms and refuse any and/or all use, either present or future, of the services of
NewBazaar Technologies, including ShopSe Services, or any portion thereof. It is hereby
clarified that NewBazaar Technologies shall not be liable in any manner whatsoever for any loss
or damage incurred by a ShopSe User or any dispute initiated by or against a ShopSe User, due
to any untrue, inaccurate, not current or incomplete Personal Information provided by such
ShopSe User.
 You hereby agree that the Personal Information provided by you to NewBazaar Technologies at
the time of registration on the ShopSe App shall be collected, stored, analysed and used by
NewBazaar Technologies for the purpose of providing you efficient access to the ShopSe
Platforms, ShopSe Services, and other features, products and services offered by NewBazaar
Technologies. You hereby agree, acknowledge and grant your consent to NewBazaar

Technologies to further use and share the Personal Information and other personal details, as
may have been disclosed by the ShopSe User to Financial Institutions, ShopSe Partners or third-
party service providers engaged by NewBazaar Technologies and you hereby confirm that you
have no objection to receive promotional offers, deals, marketing material, promotional material
and any other form of communications from NewBazaar Technologies and/or the Partner
Merchant in such form as may be determined by NewBazaar Technologies in its sole discretion,
including electronic communications such as E-mails, SMS, WhatsApp messages, calls and it
will supercede the DNC/NDNC registration. You hereby agree, acknowledge and accept the
ShopSe Privacy Policy and that your Personal Information will be handled by NewBazaar
Technologies in accordance with the ShopSe Privacy Policy. In case of any discrepancy
between the terms of this T&C and the ShopSe Privacy Policy pertaining to handling,
processing, using, sharing, disclosing, etc. of your Personal Information, the terms of the
Privacy Policy shall prevail.
 You further agree that such Personal Information may be displayed, automatically or otherwise,
upon logging into your ShopSe Account and/or initiating any transaction on the Partner
Merchant website/app. Please note that your information, including Personal Information and
information required to service your ShopSe Account, is readily available on the ShopSe
Platforms and only viewable by you by logging on to the ShopSe Platforms.
 It may be noted that NewBazaar Technologies handles all such information including Personal
Information in accordance with the provisions of the applicable law as may be applicable from
time to time and only for the duration lawfully required, thereunder.
 You hereby specifically agree that you shall, at all times, comply with the requirements of the
Information Technology Act, 2000 as also rules, regulations, guidelines, byelaws and
notifications made thereunder.
 You hereby authorise NewBazaar Technologies to request for additional
information/documentation, at any time, in order to verify that the information provided by you
is accurate and complete. In order to allow your continued and uninterrupted use of the ShopSe
Services, NewBazaar Technologies and/or the Financial Institution shall request from time to
time, for additional information/documentation from you, in order to be in conformity with
know your customer (KYC) requirements or processing the loan/Transaction as per applicable
laws. You agree to provide NewBazaar Technologies with such additional
information/documentation, as is required by NewBazaar Technologies and/or the Financial
Institution at any time, to verify the accuracy and completeness of the information provided by
you and its conformity with the said requirements.
 Based on the Personal Information and other information of the ShopSe User provided
by ShopSe User or collected/received by Newbazaar Technologies and/or Financial
Institutions/ShopSe Partners, ShopSe may show indicative offers to the ShopSe User. It
is not a commitment from ShopSe and/or the Financial Institution to provide a loan or
any credit facility to the ShopSe User.
 You provide consent that ShopSe may share Your existing as well as any additional Personal
Information and other information including KYC details/documents, bank account details (for
disbursement of the loan and/or for any other purpose related to the Transaction), and/or
transaction value/volume with its group entities / ShopSePartners/ Financial Institutions/ third
party entities or Credit Information Companies for the purpose of fulfilling the ShopSe Services.
 You agree and understand that the KYC procedure may be carried out by ShopSe (on behalf of
the Financial Institution) or the Financial Institution through any permissible means including
through Central KYC Records Registry (“CKYCR”), DigiLocker, Aadhar based offline or
online KYC through Unique Identification Authority of India (UIDAI), Video KYC and/or
Digital KYC or a combination of permissible means as per applicable laws and regulations.
You agree, understand and give consent for ShopSe/Financial Institution to carry out the KYC

process and to use, collect, receive, store, verify and/or process data of the ShopSe User from
CKYCR, DigiLocker, NSDL, UIDAI database or any other source for the purpose.
 You further authorize the Financial Institution to share loan-related information including but
not limited to loan amount, loan agreement, disbursal, repayment, collection, and any other
information from time to time with ShopSe and its group entities. You further authorize
ShopSe to access your loan related information and use the information to send notifications
on the ShopSe Platform and/or to provide ShopSe Services from time to time.
 You agree that ShopSe shall access and use the Credit Information for the purpose of checking
the eligibility of the ShopSe Users.
 You agree and understand that the Financial Institution or its agent(including ShopSe) shall
pull Credit Information of the ShopSe User from CICs, for the purpose of assessing ShopSe
User’s credit worthiness. The Financial Institution shall use, collect, verify and process the
Credit Information received from CICs or from other sources for the purpose of the credit
checks and processing of loan applications.

Termination

 Newbazaar Technologies may forthwith terminate and/or suspend, in whole or in part, these
T&C, the Policies, Platforms, and/or the ShopSe Services provided hereunder, for any reason,
including for reasons of breach of these T&C and/or any of the Policies on the ShopSePlatforms
. Your sole right to terminate these T&C and the Policies is by deleting your ShopSe Account.
In the event of termination of these T&C by Newbazaar Technologies or the ShopSe User, the
ShopSe User shall be liable to pay the amounts due to Financial Institutions /Partner Merchant
under the terms of this T&C, as per the Statement raised by Newbazaar Technologies till the
date of such termination.
 The clauses related to Intellectual Property, Indemnity and Limitation of Liability shall survive
any termination of these T&C.

Governing Law and Jurisdiction
 These Terms and Conditions and the relations of the parties shall be governed by and construed
in accordance with the laws of India.
 The courts at Mumbai shall have exclusive jurisdiction over any disputes relating to the subject
matter herein.

Notices
 All notices, requests, demands, waivers, complaints, queries and other communications required
or permitted to be given hereunder in relation to the ShopSe Services under these T&C, shall be
emailed at care@getshopse.com if to Newbazaar Technologies and if to ShopSe User, it shall be
to the address registered with Newbazaar Technologies. Any other notices, requests, demands,
waivers, complaints, queries and other communications arising out of any Partner Merchant’s
acts or omissions whatsoever, including but not limited to deficiency of service, quality,
merchantability of products or services, shall be resolved between the ShopSe User and the
Partner Merchant only and Newbazaar Technologies shall have no responsibility or liability
whatsoever in this regard.

Intellectual Property

 The ShopSe User acknowledges that Newbazaar Technologies is the sole and rightful owner of
the Intellectual Property and the ShopSe User agrees not to register, use or file in its own name
or in the name of any other person or company any trademarks same or similar or resembling in
any manner the Intellectual Property and not to associate the Intellectual Property with its own

business, except for the purpose as specified in these T&C. In this regard 'Intellectual Property'
shall mean any and all property in any name, signature, word, letter, numeral or any
combination thereof, software, Trademark, brand name, service mark, trade name, design, logo,
know-how, trade secrets whether registered or not, belonging to Newbazaar Technologies.
 Nothing contained herein shall authorize a ShopSe User to use, display or exploit the
Intellectual Property rights of Newbazaar Technologies without the prior written consent of
Newbazaar Technologies and all content on the ShopSe Platformsand ShopSe Services is the
copyright of Newbazaar Technologies except for third party content and any link to third party
websites.
 The information provided on the ShopSe Platformsis intended solely to provide general
information for the personal use of the reader, who accepts full responsibility for its use.
Newbazaar Technologies does not represent or endorse the accuracy or reliability of any
information, or advertisements contained on, distributed through, or linked, downloaded or
accessed from any of the ShopSe Services contained on ShopSePlatforms, or the quality of any
products, information or other materials displayed, or obtained by you as a result of an
advertisement or any other information or offer in or in connection with the ShopSe Services
provided through the online technology platform.


General Terms

 These T&C and/or Policies may be varied, amended, or modified, in whole or in part, by
Newbazaar Technologies at any time without notice to the ShopSe Users.
 These T&C constitute a principal-to-principal relationship between Newbazaar Technologies
and the ShopSe Users and do not attempt to create any agency relationship. The ShopSe
Services are being rendered by Newbazaar Technologies as an independent entity and nothing
contained herein shall be deemed to create any association, partnership, joint venture or
relationship of principal and agent or master and servant, or employer and employee between
Newbazaar Technologies and the ShopSe Users hereto or any affiliates or subsidiaries thereof or
to provide either Newbazaar Technologies or the ShopSe User with the right, power or
authority, whether express or implied to create any such duty or obligation on behalf of the other
party, i.e. either Newbazaar Technologies or the ShopSe User.
 Newbazaar Technologies may assign, in whole or in part, the benefits or obligations of these
T&C to its associates or affiliates or other group company, or any other company, in
circumstances including but not limited to pursuant to a merger, acquisition, amalgamation,
restructuring or re-organization or demerger of its organization or operations causing a change
in management or something of the similar nature. Newbazaar Technologies shall not require
approval or consent of the ShopSe User, it can at its discretion provide an intimation of such
assignment to the ShopSe Users. However, the ShopSe User shall not assign, in whole or in part,
the benefits or obligations of these T&C, without the prior written permission of Newbazaar
Technologies.
 Newbazaar Technologies shall not be liable for its failure to perform under these T&C as a
result of occurrence of any force majeure events like acts of God, fire, wars, hostilities, invasion,
armed conflict, act of foreign enemy, embargoes, riot, insurrection, prolonged labour stoppages,
acts of terrorism, outages and downtimes systems failures experienced, revolution or usurped
power, epidemic, pandemic, sabotage, nuclear explosion, earthquakes, fires, typhoons, storms
and other natural catastrophe action of statutory authorities or local or central governments,
change in laws, rules and regulations, saffecting the performance of Newbazaar Technologies,
Financial Institution,or ShopSe Partner or any third-party service provider. .
 Unless otherwise expressly stated, failure to exercise or delay in exercising a right or remedy,
hereunder shall not constitute a waiver of the right or remedy or a waiver of any other rights or

remedies, and no single or partial exercise of any right or remedy, hereunder shall prevent any
further exercise of the right or remedy or the exercise of any other right or remedy.
 The terms and provisions of these T&C, by their nature and content are intended to survive the
performance hereof by any or all parties hereto shall so survive termination.
 If any provision, hereunder becomes, in whole or in part, invalid or unenforceable but would be
valid or enforceable if some part of that provision was deleted, that provision shall apply with
such deletions as may be necessary to make it valid. If any court/tribunal of competent
jurisdiction holds any of the provisions, hereunder unlawful or otherwise ineffective, the
remainder shall remain in full force and the unlawful or otherwise ineffective provision shall be
substituted by a new provision reflecting the intent of the provision so substituted.
 The ShopSe User warrants that it shall not directly or indirectly solicit for employment, nor
offer employment to, nor enter into any contract of services with any person employed by
Newbazaar Technologies.
 By clicking on the tab/button/ checkbox of 'ShopSe' option or any other
button/checkbox/confirmation of similar nature, or by the virtue of usage of Platform and
ShopSe Services or continued usage thereof, (i) you confirm that you are eligible under
applicable law to contract (ii) you consent to conduct transactions, accept the T&C and Policies
as displayed on the ShopSe Platform(iii) you consent to receive communications, notices and
information from us physically/ electronically, whether sent by e-mail or other electronic means.
Electronic communications shall be deemed to have been received by you when we send the
electronic communication to the email address / mobile number / details provided by you during
the sign-up process as per our records, or when we post the electronic communication on the
Newbazaar Technologies website. You may opt-out of the electronic communications by
unsubscribing to the electronic communications.
 It is agreed and clarified that the arrangement set out by these T&C between Newbazaar
Technologies and the ShopSe Users is on a non-exclusive basis.

Grievance Redressal
The ShopSe User may reach out to ShopSe for any complaints/queries/issues in relation to the ShopSe
Services as per the details mentioned in the ShopSe Grievance Policy available on ShopSe Platform.
If the issue/query/complaint relates to the financing provided by the Financial Institution, ShopSe shall
endeavour to resolve any such complaints/queries/issues in coordination with the Financial Instituion.
ShopSe may have to direct the ShopSe User to the Financial Institution for resolutions of some of the
complaints/queries/issues.
Alternatively, the ShopSe User may reach out to Financial Institution for any complaints/queries/issues as
per details mentioned in the loan agreement/terms and conditions executed/accepted by the ShopSe User
or the details made available on the ShopSe Platforms.