USER CONTRACT

Being a reliable financial services provider You accept the following terms and conditions by using our website and services. By using our services, you agree to these terms even if you don't click the "I Accept" button. To avoid inadvertently accepting our terms and conditions, please do not download, install, or use our services if you disagree with any portion of these terms.

• Overview of the Agreement:- You attest that you have read this Agreement and that you agree to its terms by using our website. This Agreement creates a binding legal agreement between you, also known as the "Customer," "you," or "End-User," and Sugam Loan , also known as the "Company," "we," or "us." Your use of our platform and services—which include short-term loans, IT industry services, consultancy services, and manpower services—is subject to the provisions of this Agreement. To make sure you understand the terms under which we provide our services, please carefully go over these terms. You acknowledge that you have read and agree to the terms of this Agreement by continuing to use our platform. To give you a safe and effective service experience, we are dedicated to making sure that all of our terms are clear and transparent.
• Definations:- You will be able to use the Sugam Loan platform more adeptly and guarantee a clear and simple experience when using our loan services, IT industry services, consultancy services, and manpower services if you comprehend these definitions. We intend to make your interactions with us efficient and easy to understand by giving you clear and accessible information. You can use the wide range of services we provide and navigate our platform with confidence if you are familiar with these terms. To earn your happiness and confidence in our services, Sugam Loan is committed to upholding clarity and transparency in all of our dealings.
• Lender:- Any financial organization that has a loan-sanctioning agreement with Sugam Loan , including banks and non-bank financial institutions (NBFIs). Lenders who use our platform oversee, approve, and distribute loans to clients.
• Business:- A company that was formally founded by the Companies Act of 2013 and whose principal office is situated at [established Office Address].
• Client/You/End User: Anyone who uses, browses, shops, or engages in any other activity on our platform or associated services.
• Credit:- The funds that the lender disburses to users of our site, comply with the exact terms and conditions outlined in the loan contract.
• Loan Contract: - A formal written or electronic contract that is duly signed by the lender and the borrower (or client) and includes a detailed explanation of all the terms and conditions of the loan.
• Outstanding Sum: - The entire amount, including interest and any associated costs, that borrowers must repay within the specified time limits.
• Webpage/System: Alludes to the website where clients can avail themselves of our services.
• Services: Anyway the lender uses our platform to distribute, approve, and sanction short-term loans as well as IT industry, consulting, and personnel services.
• Independent Platforms: Sugam Loan does not directly administer social networking sites or other online spaces like Facebook, LinkedIn, and other web pages.
• User Information: All data provided by clients to Sugam Loan , both before and after they use our services.
• Homepage: The domain name [Website Domain Name], under the management and control of Sugam Loan , makes it easier for us to provide our services.

AGREEMENT TO THE TERMS

You will be able to use the Sugam Loan platform more adeptly and guarantee a clear and simple experience when using our loan services, IT industry services, consultancy services, and manpower services if you comprehend these definitions. We intend to make your interactions with us efficient and easy to understand by giving you clear and accessible information. You can use the wide range of services we provide and navigate our platform with confidence if you are familiar with these terms. To earn your happiness and confidence in our services, Sugam Loan is committed to upholding clarity and transparency in all of our dealings.

• Customer Obligations: It is your duty as a customer to access, utilize, and engage with our platform using correct and true information. Make sure that all of the information you give Sugam Loan is accurate and current. Giving precise information is necessary to ensure a seamless and effective customer experience.
• Loan Contract: All of the loan's terms and conditions, including the loan amount, interest rate, repayment schedule, and any other relevant information, are outlined in the loan agreement, which is an essential document. Before advancing with any loan, it is imperative that you carefully read and comprehend this agreement.
• Outstanding Sum: The total amount owed by the borrower, including the principal amount of the loan, interest, and any other associated costs, is referred to as the outstanding amount. Following the repayment plan is essential to avoid penalties and extra expenses. This keeps your credit score high and guarantees a simple repayment process.
• Utilizing External Platforms: Social networking websites and other networks may be interacted with by Sugam Loan . However, since these platforms are not under our direct management, Sugam Loan has no direct control over their policies or content. When using these external platforms, we advise you to read their terms of use and privacy policies.
• User Information: Sugam Loan gathers and manages client information to efficiently deliver our services. Our dedication lies in safeguarding your confidentiality and making sure that your information is handled legally and securely. Regulations and industry standards are followed in our data management procedures.

TERMS OF SERVICE AGREEMENT FOR Sugam Loan

You accept the terms and conditions outlined in this Agreement by using our services. The rights and responsibilities of Sugam Loan and its users are outlined in this document. To completely understand the terms and conditions of using our services, please read it carefully.

• Enrollment and Qualifications:- To utilize Sugam Loan 's services, you have to fulfil the requirements listed on our website for eligibility. To approve loans, Sugam Loan gathers and evaluates user data, supporting documentation, and other information. With consent from the lender, Sugam Loan securely keeps this information in its capacity as the lender's representative. You must register by setting up a "User Account" on one of the approved third- party platforms to use our services. Your name, email address, date of birth, phone number, username, password, photo, contact information, mobile phone data (including SMS and browsing history), bank account numbers, PAN cards, customer compliance data, credit reporting data, and other pertinent information will all need to be provided during registration. It is your responsibility to guarantee that all of your data is true, comprehensive, and current. By utilizing our services, you give Sugam Loan permission to access and acquire from third-party platforms any data that is required, including personal data. You may request and acquire periodic changes to your data if needed.
• Gathering and Utilizing Data:- To make sure that everything done on your behalf complies with your instructions, Sugam Loan always gets your consent beforehand. When conducting business, we don't use any judgment. You permit Sugam Loan to obtain credit records from different financial organizations by accepting these terms. Once the initial online form has been completed and submitted with the necessary user data, supporting paperwork, and information, your Sugam Loan application will be reviewed and authorized. After our document validation process is finished, the lender may approve your loan request provided you meet the eligibility requirements and agree to the terms and conditions mentioned.
• Loan Applications and Payment:- You will need to complete and submit the ECS/NACH authorization form, a check, and any other pertinent papers that the lender requests to speed up the loan application process. Paper documents that need your signature to manage and approve loans may be gathered by our agents. The loan money will be disbursed after the lender has examined and accepted these documents by the conditions of the loan agreement. The conditions mentioned in the online application will control how the loan is disbursed.
• Compliance and Observance:- Sugam Loan may keep an eye on you even after you stop using our platform to make sure all of your responsibilities are fulfilled until the outstanding balance is paid. We maintain the right to monitor your payments and transactions until the entire debt is paid off. Even if you deactivate or discontinue using our services, you are still liable for any outstanding amounts. You understand that anything you do with your user account is entirely your responsibility. Regarding disagreements, claims, or damages resulting from proper or improper usage of the services, Sugam Loan disclaims all liability. You bear the obligation of keeping your User Account and any related activities private.
• Requests for Services and Technical Needs:- Your service request may be accepted or rejected by Sugam Loan at any moment and without explanation. You also understand that for the platform and services to function properly and guarantee efficient communication, a few technological prerequisites must be satisfied. You can access the site without entering your details again since Sugam Loan securely stores the information you entered when you signed up. You expressly grant us permission to gather, access, and use user and personal data for account updates and authentication by accepting these conditions.
• Privacy and Data Security:- Sugam Loan is dedicated to protecting the privacy and security of your data. We have strong security measures in place to guard against unauthorized use, access, or disclosure of your data. We gather and handle your data in compliance with all relevant laws and regulations. Your personal information is only used by us to provide our services, comply with legal requirements, and improve customer happiness. Only the information required to enable our services may be shared with other service providers, and all of them are subject to stringent confidentiality agreements.
• User Accountabilities:- It is your duty as a user to access, utilize, and engage with our platform using correct and true information. It is your responsibility to make sure that all of the information you give Sugam Loan is true and current. Your application may be rejected or your account may be terminated if you provide inaccurate or misleading information. You are also in charge of keeping your user account secure, which entails keeping an eye on any activity and protecting your login information. You must tell Sugam Loan right away if you believe there has been any unauthorized use of your account or access.
• Updates and Modifications to the Contract:- This Agreement may be changed by Sugam Loan at any moment. We will notify you of any significant changes by email or our website. You will be deemed to have accepted the updated terms if you keep using our services after receiving these notices.
• Contact Detail:- Kindly get in touch with us at [Contact Information] if you have any queries or worries concerning this agreement or our services. We're here to help and make sure you have a positive and rewarding experience with Sugam Loan .

LICENSE TERMS FOR USING THE WEBSITE

You must go to our website to make use of Sugam Loan 's services. You attest that you are of legal age and have the mental capacity to read, comprehend, and agree to these Terms by using our services. Subject to these terms and conditions, Sugam Loan provides you with a limited, non-exclusive, non-transferable, and revocable license to access and use the website and its services. You accept these conditions by utilizing the website. The Sugam Loan website is made to work with a range of electronic devices, such as tablets, smart phones, and other devices of a similar nature. Sugam Loan makes an effort to update and maintain the website, but we are not able to promise that support services will always be available. While we work hard to make sure that everyone can still utilize our platform, we are unable to guarantee continuous service or support.

USE REGULATIONS AND DIRECTIVES

When utilizing the Sugam Loan platform and services, the following rules must be followed to preserve a polite, secure, and legal environment. All users contribute to maintaining the security and integrity of our services by heeding these suggestions.

• Activities Prohibited:- You pledge not to engage in any illegal or criminal activity when using the Sugam Loan platform or services.
• Reproduction and Exploitation: No element of this website or its services may be reproduced, duplicated, replicated, sold, resold, or used for commercial purposes.
• Contentious Issues:- Any content that is offensive, vulgar, obscene, defamatory, abusive, harassing, tortuous, hurtful, threatening, or discriminatory based on another person's race or ethnicity is expressly forbidden from being uploaded, posted, emailed, transmitted, or shared publicly. We at Sugam Loan are dedicated to creating a courteous and expert atmosphere.
• Communications Not Requested:- It is completely prohibited to use our platform to disseminate unsolicited materials of any kind, including "spam," "junk mail," "chain letters," "pyramid schemes," and similar forms. Sugam Loan 's basic tenet is the courteous and prudent use of our services.
• Unhealthy Content:- It is forbidden to upload, post, email, share, or distribute content that contains computer viruses or any other kind of malicious code, files, or programs meant to obstruct, disable, or disturb the operation of computer software, hardware, or telecommunications equipment. For us, keeping a reliable and secure workplace is essential.
• Breach and Disruptions:- It is strictly prohibited to engage in any action that could impede regular communication, prohibit other users from taking part in live discussions, or try to jeopardize the security of the Sugam Loan platform or any of its related networks. We respect preserving a tranquil and safe atmosphere, and we are grateful for your dedication to these ideals.

You help to create a safe and courteous online community by following these rules. Sugam Loan is committed to making sure every user on our platform has a satisfying and successful experience. I appreciate your cooperation and patience.

Sugam Loan SERVICES: RULE OBSERVATION

You are in for of making sure that, whether on purpose or accidentally, you do not break any local, state, federal, or international laws or regulations when using the Sugam Loan platform and services. Your access to Sugam Loan services may be terminated if you don't follow these legal duties. We appreciate your dedication to upholding these legal obligations to provide a secure and authorized user experience.

• Disclaimer of Content:- Regarding the content accessed through its platform or services, Sugam Loan disclaims all duty. Text, data files, numerical data, computer code, audio files, pictures, videos, and other visual elements can all be found in this content. Any content that users upload, post, link to, or otherwise make available on the platform is solely their responsibility. Any harm resulting from the use of inaccurate, misleading, or lacking information is not the responsibility of Sugam Loan . Nothing on the platform should be construed as an official solicitation, endorsement, or recommendation to buy or sell any financial products or services offered by Sugam Loan or its affiliates unless otherwise specified in these Terms. We value your awareness of our content restrictions, which support the upkeep of our platform's dependability and integrity.
• Execution and Results:- To maintain a secure and productive environment for all users, Sugam Loan maintains the right to enforce certain usage policies and limitations. We might perform the following necessary steps, among others:
  • Exercise caution: notifies the user of the particular infraction.
  • Temporary Breakdown: removing your temporary access to the platform and its services.
  • Permanent Prohibition: preventing you from ever again using the website and its services.
  • Legal Reaction: if required, take legal action to safeguard Sugam Loan users' safety and legal rights.

Please let Sugam Loan know right once if you find any infractions of these rules. Any claims of mistreatment or misconduct will be looked into, and any issues will be dealt with quickly and carefully.

• Privacy and Data Security:- Sugam Loan is committed to preserving the security and privacy of your data. We have strong security measures in place to prevent unwanted access, use, or disclosure of your information. You accept our data collecting and privacy practices as outlined in our Privacy Policy by using our platform. To increase your faith and confidence in our services, we are dedicated to making sure that your data is handled securely and lawfully.
• Privacy and Data Security:- Sugam Loan is committed to preserving the security and privacy of your data. We have strong security measures in place to prevent unwanted access, use, or disclosure of your information. You accept our data collecting and privacy practices as outlined in our Privacy Policy by using our platform. To increase your faith and confidence in our services, we are dedicated to making sure that your data is handled securely and lawfully.
• Quick Loans: To address urgent financial problems, we provide quick and flexible financing options. Our short-term loans are made to make it simple and easy for businesses to handle cash flow, grow, or pay unforeseen bills.
• Services for the IT Industry: Sugam Loan offers a wide range of IT services, such as tech assistance, IT infrastructure management, and software development. Our IT industry experience guarantees that companies maintain their technological acuity and competitiveness.
• Advisory Services: We provide a wide range of business consulting services, such as market analysis, corporate strategy formulation, and financial assistance. With knowledgeable decision-making and professional advice, we assist businesses in navigating difficult situations and achieving their objectives.
• Human Resources: We provide staffing, recruitment, and human resource management as part of our manpower solutions. Our services guarantee that companies may hire competent and trustworthy staff, which improves production and operational efficiency.

By abiding by these guidelines and being aware of the extent of our offerings, you help to keep Sugam Loan a dependable and secure platform for all users. We value your collaboration and commitment to maintaining a polite, safe, and legally compliant online community. This dedication enables us to provide outstanding services across all of our offers, guaranteeing that every user has a satisfying and productive experience.

Sugam Loan PROPERTY RIGHTS

All rights about its platform, services, trademarks, trade names, and designs are solely claimed by Sugam Loan . This covers total command over, ownership of, and stake in all related intellectual property. On the Sugam Loan website, other companies' trademarks, service marks, and logos may be displayed. However, using these elements without permission is prohibited and may have legal repercussions. It's critical to realize that nothing in these conditions grants you or any other party ownership rights over the platform. Only while your account is active is it possible for you to access Sugam Loan 's services; otherwise, Sugam Loan is the sole owner and keeps all rights. We value your respect for these rights of intellectual property.

• Associated Websites:- Links to external websites run by third parties independently may be found on the Sugam Loan platform; these are called "Linked Websites." We explicitly disclaim any responsibility for the correctness of the content on these Linked Websites and the legitimacy of any links they may include. These Linked Websites are not a part of the Sugam Loan network. Sugam Loan makes no claims or guarantees regarding the quality or reliability of the content on these Linked Websites, and the content is subject to change at any time without notice. Sugam Loan does not necessarily support the Linked Websites, even if it provides these links for ease of use. Users on Linked Websites are solely responsible for their statements and activities. Sugam Loan cannot be held responsible for any conversations or transactions that occur on Linked Websites because it is not a party to them. We appreciate you being aware of these things.
• Third-Party Promotions:- The Sugam Loan platform may show adverts from third parties. Sugam Loan does not, however, indicate that it supports or recommends the advertiser, their goods, or services just because these advertisements are present. It is recommended that users get in touch with advertisers directly to learn more about their advertisements, goods, or services. Any liability that may result from interacting with these third-party adverts is disclaimed by Sugam Loan . Users interact with third-party ads at their discretion, and Sugam Loan disclaims all liability for any consequences that may arise.
• Recognizing Personal Property Rights:- The preservation of intellectual property rights is essential to the integrity of the Sugam Loan platform. Duplication, replication, and exploitation of the platform or any of its services by other parties without authorization is forbidden. This includes any intellectual property—such as logos, trademarks, service marks, and other content—that Sugam Loan owns or that appears on the platform. All users will experience an equitable and lawful environment if these rights are upheld.

ADDITIONAL SERVICES

• Additional Platform Features:- Sugam Loan offers several extra services to improve your experience, including blogs, chat rooms, reviews, comments, and other interactive elements. Sugam Loan may provide these services directly or through affiliated businesses. These services must be used lawfully and responsibly by users. It is highly forbidden to engage in actions like making threats, abusing, harassing, stalking, defaming, or supporting racial prejudice. We won't put up with any actions that break the law or infringe on the privacy rights of others. We pledge to keep the atmosphere civil and secure for every user.
• Expert Views and Recommendations:- Please be aware that recommendations, viewpoints, and insights from different specialists, analysts, and professionals may be included on the site. Sugam Loan does not, however, support or vouch for the veracity or accuracy of these concepts, conclusions, findings, assertions, or data. You must conduct your independent assessment of the appropriateness and accuracy of any goods, claims, advice, statements, or information you come across on the site. This guarantees that the judgments you make are grounded in accurate and trustworthy information.
• No Expert Advice:- It is crucial to realize that nothing on the site should be interpreted as offering expert counsel on problems about finances, investments, taxation, accounting, or law. Sugam Loan doesn't make any particular suggestions or counsel. Anytime at all, the platform's content could be added, removed, or altered. Sugam Loan disclaims all liability for any harm or claims brought about by these modifications. To address specific problems or challenges, users should consult with qualified persons in the appropriate fields.
• Absence of Measure Adoption:- Nothing on the platform should be seen as supporting a specific strategy or plan of action. Sugam Loan makes no express or implied warranties or guarantees that using any products or methods from the website won't violate any patents or other rights. You accept these guidelines and commit to following them sensibly and lawfully by utilizing Sugam Loan 's platform and services. We value your cooperation and understanding in helping us to keep the internet a law-abiding, safe place. If you need further help or have any issues, please get in touch with us at [Contact Information].
• Termination of Services:- Sugam Loan maintains the right to stop offering its services if the following circumstances arise:
  • Non-compliance: should any of the terms and conditions outlined in these agreements be broken?
  • Prerequisites by law: If any laws need to be followed by Sugam Loan .
  • Service Termination: Should Sugam Loan choose to discontinue the platform or cease providing services.
  • When a license expires: when the website's license expires.
  • Unresolved Business: to pay off any unpaid debts.

These termination circumstances are subject to the terms stated in this agreement. Sugam Loan may keep an eye on your activities after these conditions expire to make sure all obligations—including paying off any outstanding debts—are fulfilled. Upon the termination of these conditions, you agree to stop using the site and its services right away. Additionally, you give up any licenses and rights that you may have received. Please be aware that you will still be liable for any outstanding payments even after the agreement expires. You acknowledge that you have read and agree to these termination terms by using the Sugam Loan platform and services. If you need further help or have any issues, please get in touch with us at [Contact Information].

REFUSING WARRANTIES

You are aware that using the Sugam Loan platform and its services carries some inherent risks. All of our services and platforms are offered "as is" and "as available". All implicit warranties and guarantees, such as merchantability, fitness for a particular purpose, and non-infringement, are hereby expressly disclaimed by us. By downloading and using the content, you assume all associated risks, including the possibility of computer system damage or loss of electronic data. Except for what is specifically stated in these Terms, Sugam Loan makes no representations or guarantees, either expressed or implied, regarding the validity, completeness, or accuracy of any advice or information gained from our platform or services. Reporting abuse and ensuring that the platform and its services are used responsibly—that is, only for private, non-commercial purposes—are your responsibilities. For any losses arising from the use of our services that are not specifically covered by these Terms, our firm disclaims all duty.

• The platform's or services' appropriateness for your particular requirements.
• The information's availability, security, timeliness, and correctness.
• The accuracy or dependability of the results produced by the platform or services.

We are grateful that you comprehend these words. You acknowledge and agree to these warranty conditions by using the Sugam Loan platform and services. Please get in touch with us at [Contact Information] if you have any questions or require more information. We appreciate you selecting Sugam Loan .

SETTLEMENT

By agreeing to these terms, you are releasing and holding harmless Sugam Loan , its affiliates, executives, agents, co-branders, workers, and partners from any demands or lawsuits, including all associated charges and legal fees. Any claims arising from your use or misuse of the Sugam Loan platform or services, your breach of these conditions, your infringement of the rights of other users, your illegal acts, or any combination of these actions are covered by this indemnity. Sugam Loan and its affiliates are released from any demands or claims resulting from your acts or inactions as soon as you accept these conditions. To maintain a safe and reliable service environment for all of our offerings—including short-term loans, IT industry services, consultant services, and labour services—we sincerely appreciate your cooperation and understanding in keeping these requirements.

RESTRICTIONS ON LIABILITY

This means that even when Sugam Loan 's officers, employees, agents, or service providers are aware that damages may occur, they will not be held accountable for any of them. These losses could be the consequence of:

• Utilizing Sugam Loan services or not being able to utilize them.
• Protracted delays in platform accessibility or service delivery.
• The standard of services rendered, or the absence of them.
• Any damage you incur from using the platform's content on your devices, whether through access or download.
• Problems with the service's servers or other elements.

We think it's important to understand these disclaimer terms, and we appreciate your comprehension of them. You acknowledge that Sugam Loan shall not be liable for any damages to the fullest extent allowed by relevant law. Any loss, shortfall, or disruption in platform operations arising from circumstances beyond the company's reasonable control will not be covered by its insurance. Unexpected events, broken equipment or telecommunications, power outages, civil unrest, floods, and changes in government regulations are examples of these kinds of scenarios.

Short-term loans, IT industry services, consultancy services, and personnel services are just a few of the services that Sugam Loan provides. Acceptance of these conditions by you supports our aim to provide dependable and high-quality solutions for your operational and financial needs by ensuring a secure service environment across all of our services.

THE PRIVACY STATEMENT

At Sugam Loan , safeguarding the privacy and security of our esteemed customers is our top priority. We gather, handle, and arrange personal information to provide our services effectively. We have established a comprehensive privacy policy to fully address all of your concerns. We invite you to study our comprehensive privacy policy by clicking the following link: [Patent Statement Link]. We guarantee openness and confidence in our handling of your information by providing a thorough overview of our security procedures and privacy policies on this website.

MODIFICATIONS TO THE AGREEMENT

At our sole discretion and without prior notice, Sugam Loan retains the right to modify, add to, suspend, or take other measures about these Terms and related content. Any changes will be quickly communicated to users via website updates. You agree to the revised conditions if you keep using our services or platform after such modifications. It is advised that you frequently review the terms to be aware of any adjustments or revisions. Your proactive cooperation with us is much appreciated.

THE LAW AND AUTHORITY

At our sole discretion and without prior notice, Sugam Loan retains the right to alter, amend, delete, suspend, or modify these Terms and any related documents. Any modifications will be quickly communicated to our users by updating our website with the updated terms. You accept the updated terms by continuing to use our platform or services after the revisions. We advise you to check the terms from time to time to be aware of any updates or changes. We appreciate your active participation.

• Total Acknowledgment:- Your relationship with Sugam Loan is governed only by the terms of service, privacy policy, and loan agreement. All of the rights and obligations mentioned in these agreements are still ours.
• Protection of Rights: All rights and duties mentioned in these agreements are reserved by Sugam Loan .
• Limitation Period: You understand and concur that any legal actions or claims resulting from your use of our services or acceptance of these terms will be permanently barred if they are not filed within a year of the incident.
• Dividability: The court of law shall attempt to uphold the parties' intentions as stated in this section if any part of these terms is determined to be invalid.

ACTION SUSPENDED - MULTIPLE ACCOUNTS

It is strictly forbidden to open numerous customer accounts using different email addresses, devices, or addresses to fraudulently gain referral discounts, as stated in Sugam Loan 's Terms and Conditions.

USE FOR PROMOTION

By interacting with Sugam Loan , you permit us to, within legal parameters, use your name, hometown, state, likeness, and/or voice for marketing and promotional reasons. This comprises commercials, social media posts, and other marketing collateral that is used to advertise Sugam Loan 's goods and services. We may share your positive experiences with others in our community with your permission to improve openness and foster trust.