TIMES INTERNET LIMITED - TERMS AND CONDITIONS

Effective Date: 9th April 2026

§ Preamble

These Terms and Conditions ("Agreement" or "Terms") constitute a legally binding agreement between Times Internet Limited, a company incorporated under the laws of India, having its corporate office at Plot No 391, Udyog Vihar Phase 3, Gurgaon - 122016 ("TIL", "We", "Us", "Our") and you, the user ("User", "You", "Your"), governing Your access to and use of the TIL website and associated services (collectively, the "Platform").

Our Platform is designed to act as an online technology platform, facilitating Your access to various financial products and services. By accessing, registering for, or utilizing the Platform or any of its associated services through the Platform such as facilitation of Credit Facilities (as defined below), ("Services"), You expressly acknowledge that You have read, understood, and unconditionally agree to be bound by all terms and conditions set forth in this Agreement, including any policies referenced herein, such as Our Privacy Policy available at https://www.toi.money/privacy-policy. This Agreement is paramount for Your engagement with Our Services. By visiting the Platform or using our Services, You hereby undertake to accept, and be governed by these Terms.

IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS CONTAINED HEREIN, YOU ARE STRICTLY PROHIBITED FROM ACCESSING OR USING THE PLATFORM OR AVAILING OUR SERVICES. YOUR CONTINUED USE OF THE PLATFORM AND OUR SERVICES SIGNIFIES YOUR ACCEPTANCE OF THIS AGREEMENT. If You do not agree to these Terms, We encourage You to stop accessing our Platform and availing our Services immediately.

1 Agreement and Acceptance

1.1. By accessing or using the Platform, You affirm that You are at least 18 years of age and possess the legal capacity to enter into this Agreement, and agree to abide by these Terms.

1.2. TIL reserves the right to modify, amend, or update this Agreement at any time, effective upon posting the revised terms on the Platform. Your continued use of the Platform after the posting of changes constitutes Your acceptance of the modified Agreement. It is Your responsibility to review this Agreement periodically for any updates. If You do not agree with the changes, You must not proceed to use the Platform or avail our Services.

2 Platform and Services Description

2.1. TIL operates the Platform as an online intermediary platform to offer the Services. We do not provide financial products or services directly. Our role is to facilitate Your access to financial products and services in the manner detailed under these Terms.

3 User Acknowledgement and Consent

3.1. By using the Platform and/or Our Services, You expressly acknowledge and consent to:

• TIL acting as an intermediary to connect You with Financial Institutions.
• The collection, use, storage, processing, and disclosure of Your personal information by TIL as necessary to provide the Services in accordance with Our Privacy Policy.

4 User Account and Registration

4.1. To access certain Services, You may be required to create a user account ("User Profile"). You agree to provide accurate, current, and complete information during the registration process, including but not limited to your email address and phone number for authentication.

4.2. You are responsible for maintaining the confidentiality of Your User Profile credentials and are fully responsible for all activities that occur under Your User Profile. You agree to notify TIL immediately of any unauthorized use of Your User Profile.

5 Know Your Customer (KYC) & Information Verification

5.1. You may be required to complete certain know-your-customer ("KYC") processes with the Financial Institutions (as defined below) to avail Credit Facilities/ Services.

5.2. Any processing that we undertake shall be in accordance with our Privacy Policy.

5.3. You agree and warrant to provide true, complete, and up-to-date KYC Documents and additional information as may be required by the Financial Institutions.

6 User Responsibilities and Covenants

6.1. You agree to use the Platform and Services only for lawful purposes and in accordance with this Agreement and applicable laws and regulations.

6.2. You are solely responsible for the accuracy, completeness, and truthfulness of all information You provide on the Platform. Should any information You provide change, you undertake to immediately bring such change to our notice. We do not accept responsibility for loss or damage if information provided is incorrect, incomplete, inaccurate, misleading, or if you fail to notify us of changes.

6.3. You shall not use the Platform to:

• Engage in any fraudulent, deceptive, or unlawful activity.
• Impersonate any person or entity.
• Upload, post, or transmit any content that is harmful, offensive, or infringes on the rights of others (including proprietary rights like copyrights, patents, trademarks).
• Introduce viruses, worms, trojan horses, timebombs, keystroke loggers, spyware, adware, or any other malicious code.
• Interfere with the proper functioning of the Platform.
• Copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create derivative works from, or license the Services, except as permitted.
• Use any robot, spider, other automated device, or manual process to monitor or copy the Platform or Services.
• Engage in systematic retrieval of content to create or compile a collection, database, or directory.
• Use the Services in any unlawful manner or inconsistent with these Terms.

6.4. You shall extend all cooperation to us in our defense of any proceedings initiated against us due to your breach of obligations under these Terms.

7 Intellectual Property Rights

7.1. All content on the Platform, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of TIL or is licensed to it, and is protected by Indian and international copyright, trademark, and other intellectual property laws.

7.2. Subject to compliance with these Terms, we grant you a non-exclusive, non-transferable, non-sublicensable, royalty-free, revocable, and limited licence to use the Platform in accordance with these Terms.

7.3. You may not reproduce, duplicate, copy, sell, resell, or exploit or use for commercial purposes, any portion of the Platform or Services without the express written consent of TIL. If you print, copy, or download information in breach of these Terms, your right to use our Platform will cease immediately, and you must return or destroy copies.

7.4. We may request your feedback on the Platform/ Services (“Feedback”). You acknowledge and expressly consent that We may freely use, copy, disclose, publish, display, distribute, and exploit the Feedback without payment, acknowledgement, consent, or restriction.

7.5. Except as stated, nothing in these Terms confers any right or license to our or any third-party's intellectual property rights.

8 Third-Party Websites and Services

8.1. The Platform may contain links to or include services from third-party websites, Financial Institutions, and other service providers (collectively, "Third-Party Services"). These links are provided for Your convenience only.

8.2. TIL does not endorse or make any representations about these Third-Party Services. Use of Third-Party Services is solely at your own risk. We make no representations and exclude all warranties and liabilities regarding Third-Party Services, including accuracy or completeness.

8.3. TIL is not responsible for the content, accuracy, or practices of any Third-Party Services linked from the Platform. Should you avail a Third-Party Service, you are governed by their terms and privacy policy. All intellectual property rights in Third-Party Services belong to the respective third parties.

9 Disclaimer of Warranties

We do not guarantee that our Platform, or any content on it, or our Services will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Platform or Services for business, legal, and operational reasons. We shall not be liable for any such suspension or discontinuation.

You acknowledge and agree that we may have to modify the Services or Platform to comply with applicable laws. As a result, you may be unable to access or use all or part of the Services/Platform. We shall not be liable to you for such inability pursuant to our compliance with applicable laws.

9.8. You accept full responsibility for consequences arising from Your use of the Platform and Services. TIL shall have absolutely no liability with respect to the same.

10 Limitation of Liability

11 Indemnification

11.1. You agree to indemnify, defend (at TIL's option), and hold TIL, its directors, officers, employees, agents and representatives (collectively, the "TIL Parties") harmless from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees), demands, lawsuits, judicial proceedings arising from or in connection with:

• Your access to or use of the Platform or Services.
• Your violation of this Agreement or any applicable laws or regulations.
• Any information or content You submit or transmit through the Platform.
• Acts, commissions or omissions, errors, misrepresentations, misconduct, negligence, fraud, forgery, dishonesty attributable to You or any third party using your User Profile.
• Any inaccurate, untrue, incomplete, unreliable, fraudulent or deficient information or additional information provided by You or on your behalf.
• Any claim from any governmental or statutory authority or third party resulting from Your action or inaction.

12 Suspension and Termination

12.1. TIL reserves the right to suspend or terminate Your User Profile if any information provided is found to be inaccurate, untrue, incomplete, unreliable, fraudulent, or deficient, or if You violate any terms of this Agreement. TIL may terminate or suspend Your access to the Platform or Services, in whole or in part, at any time and for any reason, without prior notice or liability, including but not limited to Your breach of this Agreement, breach of applicable law, or upon request of authorities.

12.2. Upon termination, Your right to use the Platform and Services will immediately cease. You shall not be eligible to avail any features or Services.

12.3. You may terminate this Agreement by discontinuing Your use of the Platform and deactivating Your User Profile.

12.4. Termination of Your User Profile does not affect Your obligations under any agreement entered into with a Financial Institution such as loan repayment and Your personal information shall be continued to be governed by Our Privacy Policy.

12.5. Clauses 7 (Intellectual Property Rights), 9 (Disclaimer of Warranties), 10 (Limitation of Liability), 11 (Indemnification), 12 (Consent to Use Data and Privacy), 15 (Governing Law, Jurisdiction, and Dispute Resolution), 16 (Waiver and Severability), 17 (Entire Agreement), 18 (Assignment), 19 (Force Majeure), 20 (Notices), and any other clauses that by their nature should survive termination, shall survive the termination of this Agreement. We may retain your data post-termination as permitted by law.

13 Governing Law, Jurisdiction, and Dispute Resolution

13.1. This Agreement shall be governed by and construed in accordance with the laws of India.

13.2. Subject to Clause 15.3, any dispute, controversy, or claim arising out of or relating to this Agreement or the breach, termination, or invalidity thereof, shall be settled by arbitration in New Delhi, India in accordance with the provisions of the Arbitration and Conciliation Act, 1996 and any amendments thereto. The arbitral tribunal shall consist of a sole arbitrator appointed by TIL. The seat and venue of arbitration shall be New Delhi, India. The language of arbitration shall be English. The award of the arbitrator shall be final and binding upon the parties. Parties shall keep the arbitration confidential. Each party shall bear its own costs.

13.3. Notwithstanding Clause 15.2, You agree that any dispute arising between You and a Financial Institution regarding a Credit Facility obtained through the Platform shall be resolved directly between You and the Financial Institution in accordance with their terms and conditions and applicable laws. TIL shall not be a party to such disputes.

13.4. Subject to the arbitration provision in Clause 15.2, the courts in New Delhi, India shall have exclusive jurisdiction to entertain any suit, application, or other proceeding arising out of or in connection with this Agreement.

14 Waiver and Severability

14.1. The failure of TIL to enforce any right or provision of this Agreement shall not be deemed a waiver of such right or provision.

14.2. If any provision of this Agreement is held to be invalid, unlawful or unenforceable by a court of competent jurisdiction, the other provisions shall remain in full force and effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed deleted, and the rest will continue in effect (unless contradicting clear intention).

15 Entire Agreement

15.1. This Agreement, along with the Privacy Policy and any referenced specific service terms or policies, constitute the entire agreement between You and TIL regarding Your use of the Platform and Services and supersedes all prior understandings.

16 Assignment

16.1. You may not assign or transfer, licence, or sell Your rights or obligations under this Agreement.

16.2. TIL may assign or transfer its rights and obligations under this Agreement (to any of its affiliates or to any successor in interest) at any time without restriction or prior notice to you.

17 Force Majeure

17.1. TIL shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including, but not limited to, acts of God, wars, riots, embargos, acts of civil or military authorities, fires, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

18 Notices

18.1. Any notices, requests, demands, and determinations or other communications required or permitted by this Agreement (other than routine operational communications) shall be in writing and shall be deemed to have been duly given when delivered personally, sent by registered or certified mail, postage prepaid, return receipt requested, or sent by email to the addresses provided by the parties.

18.3. For notices to You: The address or email provided in Your User Profile.

19 Grievance Redressal Mechanism

19.1. In accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and other applicable laws, TIL has established a Grievance Redressal Mechanism. Any User questions or grievances can be directed to:

20 Specific Terms for Credit Information Services

By using the Credit Information Services, you agree that you have read, understood, and are bound by this Agreement and that you comply with the requirements listed herein below. If you do not agree to all of these terms or comply with the requirements herein, please do not access the website or the mobile application or use the Credit Information Services:

20.1. TIL facilitates Your access to Your credit information report(s) ("Credit Information Report") and Credit Score from Credit Information Companies ("CICs") as Your lawfully appointed agent / authorized representative.

20.2. By applying for credit information through the Platform and clicking the check box / "I accept" button, You appoint TIL as Your authorized representative on an ongoing basis to receive Your Credit Information Report and Credit Score.

20.3. This consent/authorization shall be valid for: (i) a period of 6 (six) months; or (ii) till such time the information is required to satisfy the Purpose; or (iii) until revocation of consent, whichever is earlier ("Permitted Time Period"). You direct the CIC to deliver/transfer Your Credit Information to TIL on Your behalf.

20.4. Purpose: You acknowledge and agree TIL shall access, use, analyze, aggregate, and retain Your Credit Information Report and Score ("Credit Information") for the following purposes ("Purpose"):

• To provide You access to Your Credit Information (including any changes) on the Platform.
• To provide You with analysis, insights, or educational content based on Your Credit Information (for informational purposes only; not financial/credit advice).
• To provide You with, or recommend, other products/services You may be interested in.
• To take related actions required for the above.

TIL may, based on your Credit Information and Score, show you offers for financial products and services.

20.5. You acknowledge the Credit Information Report is provided by the CICs, and TIL is not responsible for the accuracy, completeness, or correctness of the information therein. The Service is for informational purposes. TIL does not control Your Credit Information Report/Score.

20.6. Any disputes regarding the Credit Information Report must be raised directly with the respective CIC.

20.7. Your use of Credit Information Services is also subject to the terms and conditions and privacy policy of the relevant CIC ("CIC T&Cs"), in addition to this Agreement and TIL's Privacy Policy. You acknowledge receipt of the CIC privacy policy and agree to its terms, which may be included as a separate link/annexure to this Agreement.

20.8. You agree that TIL may store and process Your Credit Information Report and related data in accordance with applicable laws and Our Privacy Policy for the Permitted Time Period. Upon completion of the Permitted Time Period or consent revocation, TIL shall promptly destroy, purge, and erase the Credit Information.

20.9. You understand that accessing Your credit information report through TIL may be considered a "soft inquiry" depending on the CIC and the nature of the request, and this may impact Your credit score. TIL is not liable for any impact on Your credit score.

20.10. TIL may provide You with analysis, insights, or educational content based on Your Credit Information report, but this is for informational purposes only and does not constitute financial or credit advice. The methodology used to present offers/analysis is proprietary.

20.11. You agree not to misuse the credit information report or share it with unauthorized parties. Use is for personal consumption only unless specified.

20.12. TIL is providing you this service free of charge.

20.13. You may be required to complete additional authentication steps as mandated by the CICs to access Your credit information report. You authorize TIL to obtain information solely to confirm identity and display it to You.

20.14. You acknowledge that the frequency with which You can access Your free credit information report may be subject to regulations and the policies of the CICs.

20.15. TIL does not guarantee that it can obtain Your credit information report from all CICs or in all circumstances. Processing may fail if particulars furnished do not match CIC records.

20.16. Voluntary Use: You avail the Credit Information Services voluntarily. TIL has made no promises to induce Your consent. TIL is not liable for loss resulting from availing the service. Display of the report does not imply endorsement or verification by TIL.

20.16.1 In connection with submission of the application for Your credit information ("Consumer Credit Information") offered by CRIF High Mark Credit Information Services Pvt. Ltd. ("CRIF") through TIL and delivery of the Consumer Credit Information to TIL, You hereby expressly consent to CRIF High Mark - Credit Score Terms of Use appended as Annexure 1 to this Policy.

21 Specific Terms for Loan Facilitation Services

Our Platform is designed to act as an online technology platform, facilitating Your access to credit facilities ("Credit Facilities") by connecting You with third-party financial institutions, authorised by the Reserve Bank of India ("RBI") to offer such Credit Facilities ("Financial Institutions").

21.1. TIL acts as an intermediary to facilitate Your applications for various Credit Facilities offered by Financial Institutions TIL has partnered with, ("Lending Partners") in compliance with the Reserve Bank of India (Non-Banking Financial Companies- Credit Facilities) Directions, 2025, issued by the RBI on November 28, 2025 and other applicable regulations, as amended from time to time.

21.2. By applying for a loan through the Platform, You authorize TIL to share Your information (including Transaction Information collected per Privacy Policy) with Lending Partners to process Your application, facilitate credit checks, and evaluate eligibility as in accordance with its Privacy Policy.

21.3. TIL does not provide Credit Facilities directly. The decision to approve or reject a loan application, the loan amount, interest rate, tenure, and all other terms and conditions are solely determined by the Lending Partner. TIL does not guarantee the approval of any loan application or the disbursement of any loan.

21.4. Your loan application and any resulting loan agreement will be subject to the terms and conditions and privacy policy of the respective Lending Partner, in addition to this Agreement and TIL's Privacy Policy.

21.5. TIL may display information about various loan products on the Platform, including eligibility criteria, interest rates, and fees. This information is provided by the Lending Partners, and TIL does not guarantee its accuracy or completeness. It is Your responsibility to verify the details with the Lending Partner before applying.

21.6. Termination: Termination of Your TIL User Profile (as per Clause 14) does not affect or extinguish Your obligations under any loan agreement entered into with a Lending Partner.

22 Miscellaneous Provisions

22.1. Third Party Rights: No third party shall have any rights to enforce the Terms contained herein, except where explicitly stated otherwise (e.g., indemnity provisions).

22.2. Translations: We may provide translated versions solely to assist understanding. The English version shall be controlling. In case of inconsistency, the English version prevails.

23 How to Contact Us