<p>TERMS AND CONDITIONS</p>

<p>
    I. The terms and conditions contained herein ("T&C") contain the complete terms and conditions that apply to a
    Client and govern the Client's access to and use of the Service. However, some of the Services may require the
    Client to agree to additional terms and conditions. Unless otherwise provided, those additional terms shall be
    deemed to be incorporated into the T&C. 1. Acceptance of Terms
</p>

<p>
    (a) By (i) using the Platform or availing the Services provided through the Platform in any way; or (ii) browsing
    the Platform, the client is deemed to have read, understood and accepted the T&C as well as any privacy policy that
    may be available on the Platform.
</p>

<p>
    (b)The Client acknowledges that by accessing and using the Platform and availing any of the Services, it agrees to
    be bound by the T&Cs. The T&C establish a contractual relationship between ANAND PROPERTY FINANCE LTD and the
    Client.
</p>

<p>
    (c)In the event the Client is not agreeable to the T&C, it shall not access the Platform or avail the Services.
</p>

<p>
    (d)The T&C contained herein expressly supersede all prior agreements or arrangements between ANAND PROPERTY FINANCE
    LTD and the Client.
</p>

<p>
    (e)The Client understands that the access to the Platform and the offer of Services is conditional upon the Client's
    irrevocable consent and acceptance of all the terms, conditions and obligations contained in the T&C (as may be
    amended from time to time). 2. Agreeing to Terms & Conditions
</p>

<p>
    (a) By agreeing to the T&C and by availing the Services, the Client represents that it is lawfully able to enter
    into contracts (if an individual) or has the legal authority to enter into contracts on behalf of the body
    corporate/company/partnership.
</p>

<p>
    (b)The Client acknowledges that ANAND PROPERTY FINANCE LTD is merely providing a platform for facilitating the
    transactions between the Client and the Counterparties on the Platform by and shall in no manner be liable or
    responsible for any such transactions or be construed as an agent of the Client.
</p>

<p>
    (c)The Client acknowledges and agrees that any use of the Platform and the availing of the Services is at the sole
    risk of the Client.
</p>

<p>
    (d)The Client acknowledges and agrees that it is solely responsible for its data uploaded to or transmitted through
    the Platform, the consequences of uploading or transmitting.
</p>

<p>
    (e)The Client acknowledges, represents, and warrants that with respect to any data posted on or transmitted through
    the Platform:
</p>

<p>
    It has all necessary licenses, rights, consents, and permissions to upload, transmit, or publish such data and that
    it grants ANAND PROPERTY FINANCE LTD, express, irrevocable license and authorization to use such data for the
    Services; and Any use by ANAND PROPERTY FINANCE LTD of the data uploaded, transmitted, or published by it on the
    Platform will not constitute infringement of any third party’s rights.
</p>

<p>
    (f)The Client agrees and acknowledges that it is solely responsible to ANAND PROPERTY FINANCE LTD and to any
    Counterparty for any breach of its obligations under the T&C and for the consequences of any such breach (including
    any loss or damage which ANAND PROPERTY FINANCE LTD may suffer). 3. Use of Platform and Services
</p>

<p>
    (a)In order to access the Platform and to obtain the benefit of the Services, the Client will have to register and
    create an account by providing accurate and complete information. ANAND PROPERTY FINANCE LTD is not responsible for
    verifying the accuracy of any such information.
</p>

<p>
    (b)ANAND PROPERTY FINANCE LTD reserves the right to reject the request for creation of the account, at its sole
    discretion, if the data or information submitted appears to be incomplete, incorrect or fraudulent.
</p>

<p>
    (c)On the creation of the account, ANAND PROPERTY FINANCE LTD grants to the Client a non-exclusive, limited
    privilege to access and use the Platform and the Services offered on the Platform, subject to compliance with the
    T&C. The account is non-transferable and its use is restricted to the Client creating the account.
</p>

<p>
    (d)The Client is solely responsible for its account and any activity on it, and must keep the log-in credentials
    (log-in ID and password) secure at all times. The Client shall not sell, transfer or sub-license the log-in
    credentials to any other person. The Client shall promptly on becoming aware of any unauthorized use of its account,
    notify ANAND PROPERTY FINANCE LTD at info@anandfin.in. Failure of the Client to notify ANAND PROPERTY FINANCE LTD
    may create liability on the Client for any losses/damages caused by any unauthorized use of the account.
</p>

<p>
    (e)The availing of the Services and the use of Platform is only for purposes permitted by: (i) the T&C; and (ii) any
    applicable law, regulation or generally accepted practices or guidelines. 4. General Undertakings of the Client
</p>

<p>
    (a)The Client agrees to access any information, material, documents on Platform, provided by itself or +any third
    party but accessible to the Client, or avail any Service only through the authorised access provided by ANAND
    PROPERTY FINANCE LTD.
</p>

<p>
    (b)The Client shall not use or attempt to use any unauthorised means, including but not limited to, use of any deep
    link, program, automatic device, algorithm or methodology, or any similar processes, or hacking to access, utilise,
    copy or monitor any part/feature of the Platform or its content, or avail any Services or in any way reproduce or
    circumvent the structure or layout of the Platform, or obtain or attempt to obtain any information not openly
    available on the Platform.
</p>

<p>
    (c)The Client undertakes not to attempt to gain any unauthorized access to the Platform, the server on which the
    Platform is hosted or any other database, server or computer connected to the Platform.
</p>

<p>
    (d)The Client shall not misuse the Services or corrupt or try to corrupt the Platform by introducing any bugs,
    viruses, worms, malwares, spyware or any similar program which is malicious or harmful.
</p>

<p>
    (e)The Client undertakes to ensure that any material/information/data uploaded by it on the Platform is strictly of
    nature and context as required by the Platform for the relevant Service, and is not in violation of any applicable
    law.
</p>

<p>(f)The Client further undertakes not to:</p>

<p>
    (i) impersonate any person or entity, or misrepresent its affiliation with a person or entity;
</p>

<p>
    (ii) publish, post, upload or distribute files that contain bugs, viruses, worms, malwares, spyware or any similar
    program, or corrupted files that may disrupt the operation of the Platform or a Counterparty's computer;
</p>

<p>
    (iii)engage in any activity that disrupts access to the Platform or the Services;
</p>

<p>
    (iv)disrupt or interfere with the security of, or otherwise cause harm to, the Platform, accounts, passwords,
    servers or networks connected to or accessible through the Platform;
</p>

<p>
    (v)cause any interference or attempt to interfere with the proper working of the Platform or any transaction being
    conducted on the Platform, or with any other person's use of the Platform;
</p>

<p>
    (vi)upload or distribute files that contain such material which is infringing the copyrights, trademarks,
    confidentiality, privacy or any other proprietary information protected by law, unless the Client has the rights or
    the necessary consents thereto;
</p>

<p>
    (vii)use the Platform or Services for any purpose that is fraudulent, unlawful or prohibited by the T&C and by
    applicable law, or to solicit the performance of any illegal activity or other activity which infringes the rights
    of ANAND PROPERTY FINANCE LTD or any Counterparties;
</p>

<p>
    (viii)upload or distribute any material or information that is, or contains tags or keywords which are, illegal,
    inappropriate, profane, obscene, offensive, abusive, harassing, misleading, indecent, defamatory, disparaging, or
    menacing, or is otherwise injurious to ANAND PROPERTY FINANCE LTD or any Counterparty, or objectionable in any
    manner whatsoever;
</p>

<p>
    (ix)download any file posted by the Counterparty that the Client should know, or reasonably should know, cannot be
    legally distributed in such manner;
</p>

<p>
    (x)violate the T&C or any applicable laws or regulations for the time being in force;
</p>

<p>
    (xi)decompose, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative
    works from, transfer, or sell any information or software obtained from the Platform. 5. Confidentiality
</p>

<p>
    (a)The Client acknowledges and agrees that any information including names, assets, details, documents, transaction
    records, potential transactions, negotiations, pending negotiations, data, applications, software, systems, papers,
    statements, business information, marketing and financial information, databases, manuals, records and reports,
    articles, systems, material, sources of material, and any other data pertaining to Counterparties and ANAND PROPERTY
    FINANCE LTD, available to it through Platform ("Confidential Information") is of a sensitive and confidential
    nature.
</p>

<p>
    (b)The Client undertakes to keep all Confidential Information confidential and shall ensure that none any of its
    employees, agents, representatives do anything to breach the confidentiality. The Client undertakes to use all
    Confidential Information with such care and discretion, but not less than reasonable care, to avoid disclosure,
    publication or dissemination of Confidential Information as it uses with its own similar information that it does
    not wish to disclose, publish or disseminate.
</p>

<p>(c)The Client may disclose Confidential Information only to:</p>

<p>
    (i)its employees, representatives, agents or contractors on a 'need to know' basis and only for the purposes of
    performance of its obligations under the transaction/Services;
</p>

<p>
    (ii)the extent required by any regulatory authority or governmental authority
    under applicable law; and
</p>

<p>(iii)any other party with the Client's prior written consent.</p>

<p>(d)The Client agrees:</p>

<p>
    (i)to take all necessary action to protect the Confidential Information
    against misuse, sale, loss, destruction, deletion and/or alteration;
</p>

<p>
    (ii)use the Confidential Information in connection with the
    Services/transaction for which the Confidential Information is obtained; and
</p>

<p>
    (iii)not to misuse or permit misuse directly or indirectly, commercially
    exploit the Confidential Information of the other Party for economic or other
    benefit. 6. Data Protection
</p>

<p>
    (a)The storage, usage and transmission of all information obtained by it through the Platform, shall at all times be
    in accordance with the Information Technology Act, 2000 read with Information Technology (Reasonable Security
    Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 and all other applicable law.
</p>

<p>
    (b)In the event the Client obtains any Personal Data or Confidential Information pursuant to any
    transaction/Services, it shall only undertake the processing of Personal Data/Confidential Information reasonably
    required in connection with the performance of its obligations under the transaction/Services.
</p>

<p>
    (c)The Client shall at all times have appropriate technical and organisational measures in place to:
</p>

<p>
    (i)prevent unauthorised or unlawful processing of any Personal
    Data/Confidential Information;
</p>

<p>
    (ii)protect any Personal Data/Confidential Information against accidental
    loss, destruction or damage;
</p>

<p>
    (iii)ensure the reliability of its employees/contractor having access to the
    Personal Data/Confidential Information;
</p>

<p>
    (d)The Client shall comply with all applicable law, including without
    limitation the Data Protection Laws to safeguard the Personal
    Data/Confidential Information. 7. Limitation of Liability
</p>

<p>
    (a)ANAND PROPERTY FINANCE LTD, its, employees, agents, and associates, will not be liable with respect to any
    subject matter relating to the T&C under any contract or torts, or on account of negligence, strict liability or
    other legal or equitable rights for: (i) any special or consequential damages; (ii) for interruption of use; (iii)
    loss or corruption of data.
</p>

<p>(b)ANAND PROPERTY FINANCE LTD shall not be liable or responsible for:</p>

<p>
    (i)any faulty operation of system during accessing of Platform or during the transmission/transfer of any
    data/information;
</p>

<p>
    (ii)any damage that occurs due to any information provided by the Client but not being received by ANAND PROPERTY
    FINANCE LTD or any Counterparty or not being received promptly or appropriately, as a consequence of technical
    faults with the Platform (whether or not in ANAND PROPERTY FINANCE LTD's control);
</p>

<p>
    (iii)any Confidential Information of the Client being used in any manner contrary to Clauses 5(c) and 5(d) by any
    Counterparty;
</p>

<p>
    (iv)any loss or damage caused due any bugs, viruses, worms, malwares, spyware or any similar program that may infect
    the Client's computer, software, data or any other property caused by accessing or using the Platform or availing
    any Services, or from any emails, communication or attachment received from ANAND PROPERTY FINANCE LTD/Platform;
</p>

<p>
    (v)any failure to perform, or delay in performance of, any of obligations or Services by ANAND PROPERTY FINANCE LTD
    or any Counterparty due events outside ANAND PROPERTY FINANCE LTD's reasonable control;
</p>

<p>(vi) any breach of the T&amp;C by any Counterparty;</p>

<p>
    (c) ANAND PROPERTY FINANCE LTD is not responsible for any indirect losses including, without limitation, loss of
    income, business, profits, data or any injury to reputation, howsoever arising.
</p>

<p>
    (d) ANAND PROPERTY FINANCE LTD is not responsible for any liability for any loss, costs or damage arising out of or
    in connection with the use of the Platform or the inability to use it or for any delay or failure in the performance
    of the Services on account of the Counterparty or due to any Force Majeure Event or any other circumstances beyond
    the control of ANAND PROPERTY FINANCE LTD unless otherwise directions issued by the Regulatory Authorities in this
    regard.
</p>

<p>
    (e) The Client acknowledges that ANAND PROPERTY FINANCE LTD aims to facilitate seamless data and transaction
    processing and that ANAND PROPERTY FINANCE LTD is not responsible for any failure of the Platform to store, transfer
    or delete data or for the corruption or loss of any data, information or content contained therein.
</p>

<p>
    (f)The liability of ANAND PROPERTY FINANCE LTD towards a Client shall in any event not exceed INR 1000. 8. Transfer
    of Rights
</p>

<p>
    (a) The T&C are binding on the Client, its successors and permitted assigns. It may not transfer, assign, charge or
    otherwise dispose of any of its rights, benefits, liabilities or obligations, under the T&C without the prior
    written consent of the ANAND PROPERTY FINANCE LTD.
</p>

<p>
    (b) However, ANAND PROPERTY FINANCE LTD may transfer, assign, sub-contract or otherwise dispose of any of its
    rights, benefits, liabilities or obligations under the T&C at any time or ay involve or appoint any third party to
    satisfy its obligations, without any necessity to notify the Client. 9. Security of data
</p>

<p>
    (a) All facilities used to store data and process the transaction will adhere to reasonable security standards,
    which will be at par with ANAND PROPERTY FINANCE LTD's security standards for processing and storing its own
    information of a similar nature. ANAND PROPERTY FINANCE LTD has implemented industry standard systems and procedures
    to ensure the security and confidentiality of a transaction and related data, protect the Client against anticipated
    threats or breaches to the security or integrity of a transaction and related data, and protect the Client against
    unauthorized access to its data.
</p>

<p>
    (b) The Client further acknowledges and agrees that it has granted ANAND PROPERTY FINANCE LTD the permission as well
    as the non-exclusive right to store and transfer its data, as part of the Services.
</p>

<p>
    (c) ANAND PROPERTY FINANCE LTD does not claim any ownership, intellectual property rights or other rights whatsoever
    outside the scope of what is necessary to provide the Services.
</p>

<p>
    (d) ANAND PROPERTY FINANCE LTD reserves the right to perform statistical analysis of the activity on Platform in
    order to measure interests in the various sections of the Platform for the purpose of product and Service
    development. Any non-personal information such as internet domain, host names, IP addresses, clickstream patterns,
    and the dates and times on which Platform is accessed may be recorded for the purpose of analysis. The analytical
    data collected is for internal use only. 10. Intellectual Property
</p>

<p>
    (a) The Platform and the arrangement and processes thereof, including, but not limited to, all text, graphics, user
    interfaces, visual interfaces, and the computer code is owned by ANAND PROPERTY FINANCE LTD, and the design,
    structure, and arrangement of thereof is protected by copyright, patent and trademark laws, and all other applicable
    intellectual property laws and the Client shall not use the aforesaid without the prior written consent of ANAND
    PROPERTY FINANCE LTD.
</p>

<p>(b)The trademarks, logos and marks displayed on the Platform are the property of ANAND PROPERTY FINANCE LTD, or the
    property of the Client(s) or of the Counterparty(ies), as the case may be. The Client shall not use any trademarks,
    logos and marks not belonging to it, without the prior consent of ANAND PROPERTY FINANCE LTD or the Counterparty, as
    the case may be.
</p>

<p>
    (c)In the event the Client infringes or attempts to infringe the copyrights or other intellectual property rights of
    ANAND PROPERTY FINANCE LTD, ANAND PROPERTY FINANCE LTD may, in its sole discretion, deny the Client access to and
    use of the Platform. 11. Communication with Counterparties
</p>

<p>
    (a) ANAND PROPERTY FINANCE LTD does not control, and is not responsible for any information, data, documents etc.
    appearing on the Platform or for any communication between the Client and the Counterparties inter se, including,
    without limitation, e-mails sent.
</p>

<p>
    (b) The Client acknowledges that any communication received from Platform, including, without limitation, emails are
    automated communications and ANAND PROPERTY FINANCE LTD is not responsible the inaccuracy etc. of the content
    thereof.
</p>

<p>
    (c) ANAND PROPERTY FINANCE LTD does not endorse, guarantee, or assume any responsibility for any Services offered to
    the Client, and ANAND PROPERTY FINANCE LTD will not be a party to, or in any way be responsible or liable for any
    transaction between the Client and the Counterparties on or through the Platform. 12. Taxes
</p>

<p>
    The Client shall be responsible for identifying and paying all taxes, duties, cess and other fees and charges (and
    any penalties, interest, and other additions thereto) that are payable by the Client with respect to the
    transactions through the Platform. ANAND PROPERTY FINANCE LTD will not be liable to pay, any taxes which are payable
    by the Client to any governmental authority for any such transaction.
</p>

<p>Please note that in case of deviation for top up of any loan which has to be approved by the management of APFL, APFL shall reserve the right to charge interest lock in of 1 month on the entire amount of the loan. This shall be exercised at the sole discretion of APFL.</p>

<p>13. Modification of T&amp;C</p>

<p>
    (a)The Client acknowledges and agrees that ANAND PROPERTY FINANCE LTD has the right to revise, modify, amend or
    discontinue any of the T&C from time to time including without limitation to reflect, inter alia, changes in market
    conditions, technology, requirements, laws etc. and ANAND PROPERTY FINANCE LTD shall not be obligated to obtain any
    approval/consent on the revised T&C.
</p>

<p>
    (b)The Client is deemed to be aware of the latest T&C and the use of Platform and the availing of the Services is
    subject to the most current version of the T&C available on the Platform at the time of such use. The use of
    Platform and Services subsequent to any modification in the T&C will constitute the Client's acceptance of the
    modification. 14. Temporary Suspension and Termination
</p>

<p>
    (a)ANAND PROPERTY FINANCE LTD does not guarantee uninterrupted access to the Platform. The access to Platform or the
    Services may be disrupted:
</p>

<p>(i) on the occurrence of Force Majeure Event;</p>

<p>
    (ii) for the purposes of repair, maintenance, upgrading or for other similar
    activities,
</p>

<p>
    ANAND PROPERTY FINANCE LTD undertakes to take all reasonable measures to minimize any such periods during which the
    Platform and the Services are unavailable and shall put best effort in resuming the Services and the Platform.
</p>

<p>
    (a)ANAND PROPERTY FINANCE LTD shall not be responsible or liable for any losses or damages suffered due to any of
    the events specified in sub-Clause (b) above due to the suspension of Services or due to the inability to cure such
    events. (c)In the event of a system failure due to any unforeseeable circumstances or disruption, the access to
    Platform and Services may be temporarily suspended and no information may be accepted during such suspension.
    (d)ANAND PROPERTY FINANCE LTD has the right to temporarily or permanently disable the Client's account when, in
    ANAND PROPERTY FINANCE LTD's opinion, without any cause or notice. On such breach, ANAND PROPERTY FINANCE LTD may
    also block access to the Client's account and/or procure that any outstanding transactions are cancelled/suspended
    immediately. (e)ANAND PROPERTY FINANCE LTD reserves the right to restrict or suspend access to the Platform or
    terminate the Platform completely, at its sole discretion. (f)All provisions of the T&C, which by their nature
    should survive termination, shall survive termination, including, without limitation, ownership, warranty,
    limitations of liability, confidentiality, disclaimers, indemnity. 15. Disclaimer of Warranties
</p>

<p>
    (a)The Platform is provided on "as is" and "as available" basis. ANAND PROPERTY FINANCE LTD hereby disclaims all
    warranties of any kind, express or implied, including without limitation, the warranties of merchantability,
    satisfactory quality, fitness for a particular purpose, non-infringement, availability, accuracy, completeness,
    security or reliability of the Services and/or any data uploaded, used or transmitted on or through the Platform.
    The Client uses the data and/or the Services through the Platform at its own discretion and risk and ANAND PROPERTY
    FINANCE LTD is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating
    to such data and the Client assumes all liability for its use.
</p>

<p>
    (b)The information contained in the Platform is provided on "as is" and "as available" basis. The accuracy of the
    information is sole responsibility of the Issuer and the Platform and ANAND PROPERTY FINANCE LTD are not in any
    manner whatsoever liable for the accuracy of the information contained in the Platform. The application and impact
    of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and
    regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in
    information contained in this Platform. Accordingly, the information in this Platform is provided with the
    understanding that ANAND PROPERTY FINANCE LTD is not herein engaged in rendering legal, accounting, tax,
    credit/investment or other professional advice and services. As such, it should not be used as a substitute for
    consultation with professional accounting, tax, legal, credit/investment or other competent advisers and the
    Investor is sole responsible for all investment decisions.
</p>

<p>
    (c)ANAND PROPERTY FINANCE LTD will not be liable for any interactions between the Client and the Counterparties on
    the Platform or in connection with the Services. These interactions are solely between the Client and the
    Counterparties and ANAND PROPERTY FINANCE LTD merely provides a common platform to facilitate such transactions.
    ANAND PROPERTY FINANCE LTD is not responsible or liable for any loss or damage of any sort incurred as the result of
    any such dealings or interactions.
</p>

<p>
    (d)ANAND PROPERTY FINANCE LTD is not obligated to be involved in or facilitate the resolution of any dispute between
    the Client and the Counterparties on the Platform, the Client hereby releases ANAND PROPERTY FINANCE LTD, its
    employees, agents, and associates from any claims, demands and damages, arising out of or in any way related to such
    disputes. Without prejudice to the above, the Client hereby waives any legal or equitable rights or remedies that it
    may possess against ANAND PROPERTY FINANCE LTD in relation to the dispute. 16. Indemnification
</p>

<p>
    The Client hereby agrees to indemnify and hold harmless ANAND PROPERTY FINANCE LTD (including its directors,
    employees, representatives and agents) from time to time, against any and all losses, liabilities, obligations,
    damages, judgments, costs, expenses (including, without limitation, advisors' fees), claims, fines, penalties,
    proceedings, actions or demands, of any kind or nature incurred by ANAND PROPERTY FINANCE LTD as a result of the
    Client's use of the Platform or the Services, including but not limited to the violation of the T&C. 17. Governing
    Law and Jurisdiction
</p>

<p>
    The T&C are governed and construed in accordance with the laws of India and the Client hereby submits themselves to
    the exclusive jurisdiction of courts and tribunals at Assam, India. The Client irrevocably waives any objection it
    may have now or in the future to the choice of courts and tribunal of Assam, India as an inconvenient forum. 18.
    Severability
</p>

<p>
    Every provision contained in the T&C shall be severable and distinct from every other provision and if at any time
    any one or more of such provisions is or becomes invalid illegal or unenforceable, the validity, legality and
    enforceability of the remaining provisions hereof shall not be in any way affected or impaired thereby. 19. Waivers
</p>

<p>
    (a)Neither the failure to exercise nor any delay in exercising any right, power, privilege or remedy under the T&C
    shall in any way impair or affect the exercise thereof or operate as a waiver thereof in whole or in part.
</p>

<p>
    (b)No single or partial exercise of any right, power, or privilege under the T&C shall prevent any further or other
    exercise thereof or the exercise of any other right, power, privilege or remedy.
</p>

<p>II. Definitions</p>

<p>
    Unless repugnant to the context, the terms used in the T&amp;C have the
    following meaning:
</p>

<p>&quot;Client&quot; means any person who has an account on the Platform.</p>

<p>&quot;Counterparty&quot; means any person with which the Client:</p>

<p>
    (a) enters into any arrangement/contract/agreement with, pursuant to or by way
    of the Services or the Platform; and/or
</p>

<p>
    (b) may potentially enters into any arrangement/contract/agreement with, by
    availing the Services on the Platform.
</p>

<p>
    "Force Majeure Event" includes any act, event, non-happening, omission or accident beyond the reasonable control of
    ANAND PROPERTY FINANCE LTD and includes, without limitation, the following events: (a) strikes, lock-outs or other
    industrial action; (b) riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not)
    or threat or preparation for war; (c) fire, explosion, storm, flood, earthquake, subsidence, epidemic or other
    natural disaster; (d) impossibility of the use of public or private telecommunications networks or internet
    services; and (e) the acts, decrees, legislation, regulations or restrictions of any government, as may be
    applicable.
</p>

<p>
    "Platform" means the platform launched by ANAND PROPERTY FINANCE LTD for offering Services to the Client.
</p>

<p>
    "Personal Data" shall have the same meaning as ascribed to the term "Sensitive Personal Data or Information" under
    the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information)
    Rules, 2011 (as amended from time to time).
</p>

<p>
    "Services" means the services offered by ANAND PROPERTY FINANCE LTD through the Platform, including but not limited
    to:
</p>

<p>
    (a) facilitation interaction between the Client and Counterparties to enable them to enter into transactions, including for securitisation, direct assignments, or any other product offered.
</p>

<p>
   "ANAND PROPERTY FINANCE LTD" means Anand Property Finance Ltd Private Limited (including its successors and assigns).
</p>