FLYHI FINANCIAL SERVICES LIMITED

Website Use Policy

i).

TERMS OF WEBSITE USE

This page (together with the documents referred on it) set out the terms of use by which you may

make use of the websites www.flyhifinance.com and www.flyhifinanceleads.com (referred to as "our

sites"), whether as a guest or a registered user. Please read these terms of use carefully before you

start to use the sites. By using our sites or by assessing or using our websites, you indicate that you

have read and accepted these terms of use, which include the privacy policy that applies to our sites

(the "Privacy Policy") and that you agree to abide by them. If you do not agree to these terms of use,

please refrain from using our sites. We at our sole discretion, reserve the right not to accept a user from

registering on our sites or on our application without assigning any reason thereof.

The Terms of Use are with respect to our sites and our application only and do not apply, replace, or

supersede to the terms and condition of use and the privacy policy of our financial partners.

ii).

OWNERSHIP OF CONTENT

Our Sites, Application and all its contents including, but not limited to, all text, logos, videos,

illustrations, artwork, information, images, and other material ("Content") are owned and copyrighted

by us unless otherwise mentioned therein. Our Sites features logos, brand identities, domain names

and other trademarks and service marks (collectively referred to as "Intellectual Property") that are

the proprietary rights and/ or are licensed to us. Nothing contained on this sites should be construed

as granting, by implication, estoppel, or otherwise, any license or right to use any of the marks

displayed on our sites without prior written authorization/ permission from us. Your use of any

content, except as provided in these Terms of Use herein, without prior written authorization/

permission from us is strictly prohibited. You are also advised that we will fully enforce our Intellectual

Property rights of the law, including taking civil and/ or criminal action.

iii).

INTELLECTUAL PROPERTY RIGHTS

We are the owner and/ or the licensee of all the Intellectual Property rights in our sites, except where

specifically mentioned. Said Intellectual Property are protected under applicable laws in India and

through international conventions. All such rights are reserved to us and our licensors. As a visitor to

our sites, you may download a single copy of the material for your own non-commercial, private

viewing purposes only. No copying or distribution for any commercial or business use is permitted

without our prior written consent.

You may not include a link to our sites or display the contents of our sites surrounded or framed or

otherwise surrounded by material not originating from us without our consent.

You may not distribute, modify, publish, re-use, reproduce, copy (except as set forth above), transmit,

display, license, create derivative works from, transfer, sell or otherwise use any of the information,

illustrations, photographs, video or audio sequences or any graphics in any manner whatsoever.

If you print off, copy, or download any part of our sites in breach of these terms of use, your right to

use our sites will cease immediately and you must, at our option, return or destroy any copies of the

materials you have made.

iv).

REGISTERED USERS

In order to access certain features of our sites and our application, you may be asked to register by

providing certain personal information such as, for example, your phone number, name and email

address. You will also be asked to select a username ("User Name") for identification purposes.

You must ensure that the details and information provided by you is correct, accurate and up to date.

We will not be responsible for any loss or harm arising out of your failure to provide the same. We

may ask you to verify the accuracy of the details and information provided by you at any point of

time.

You must take all the reasonable and necessary care to ensure that your account on our web & mobile

application respectively is operated and accessed solely by you and no one else.

You are responsible for maintaining the confidentiality of your password and your account

information, and you are solely and fully responsible for all activities that occur under your password

or account and for any access to or use of our sites by you or any person or entity using your password,

whether or not such access or use has been authorized by you, and whether or not such person or

entity is your employee or agent.

You must immediately notify us of any unauthorized use of your password or account or any other

breach of security.

We will not be liable for any loss or damage whatsoever resulting from the disclosure your password

contrary to these Terms of Use. You may not use another person's account at any time without the

express permission of the account holder.

If we become aware that you have used another person's account or password or any information or

material contrary to any of the terms and conditions mentioned herein, then we reserve our right to

take all necessary actions.

You retain ownership of any video, image, text, software, information, or any content posted,

uploaded or published by you on our sites. You represent and warrant that you have the necessary

right, license, authorization or permission to post, upload or publish the same on our sites and by

posting, uploading or publishing the same on our sites, you have authorized the company to use the

same without any restrictions.

We will not be responsible for any of comment, video, text, software, information discussion,

information, content, or view posted by you on our sites or through our application.

You retain and warrant that the information, material, comment, video, text, software, information

discussion, information, content posted uploaded or published by you on our sites or our application

does not infringe upon the rights of third parties including but not limited to intellectual property

rights, privacy or personal rights.

We will be in no way responsible or liable with respect to any discussions, chats, information, or any

material posted on our sites by you or anyone else and we assume no liability arising from any false,

misleading, defamatory, obscene, vulgar, scandalous, infringing or any material that would violate the

laws

of India or any other country and give rise to civil or criminal liability.

You must not post, upload, publish, transmit, or share any Content on our Sites or our Application that

you did not create or that you do not have permission to post.

We have the right to store any content you post on our sites, and at our discretion to make available

any such content on our sites, in each case indefinitely. However, we are not obliged to make available

or otherwise exploit any such content. We are not responsible for any loss, theft, rights infringement,

or damage of any kind to or associated with any such content and you take sole responsibility for any

such content that you provide to us.

You are prohibited from using our Sites to advertise or perform any commercial solicitation in any

manner.

You authorize us for contacting you (including by post, email, fax, and short text message (SMS),

pager or telephone) about our products and services (collectively "Promotional Communications")

which we think may be of your interest. You agree to hold harmless and indemnify us and our

affiliates and our respective directors, officers, employees and agents, as well as their licensors and

suppliers, from and against any and all claims, actions, suits and or proceedings, as well as any and all

losses, liabilities, damages, costs and expenses arising out of or relate to such Promotional

Communication with you or any person on your behalf.

v).

INFORMATION AND AVAILABILITY

While we take every care to ensure that the information on our sites are accurate and complete, some

of it is supplied to us by third parties and we are unable to check its accuracy or completeness. You

are advised to verify the accuracy of any information before relying on it. We make no warranty or

represent the accuracy of the information supplied to us by third parties. Further, due to the inherent

nature of the internet, errors, interruptions, and delays may occur in the service at any time.

Accordingly, our sites are provided "as is" without any warranties of any kind, express or implied, and

we do not accept any responsibility and liability arising from any inaccuracy or omission in the

information or interruption in availability.

We would be happy to correct any error or correction with respect to the information published on

our websites that is brought to our notice by you in writing and we will within a reasonable time carry

out the necessary changes as deemed appropriate by us.

vi).

MOBILE TERMS OF USE

When accessing our websites or application via mobile, standard network charges apply. Your handset

must be WAP enabled. You may incur additional WAP, GPRS, 3G, 4G & 5G data charges from your

network operator according to your contract. Our sites via mobile (off portal) is not a subscription

service.

vii).

VARIATION

We may revise these terms of use at any time by amending this page. You are expected to check this

page from time to time to take notice of any changes we make, as they are binding on you. Some of the

provisions contained in these terms of use may also be superseded by provisions or notices published

elsewhere on our sites. Information on our sites is subject to change without any prior notice or

obligation to notify you. Additionally, we reserve the right to change any and all content, software and

other items used or contained on our sites or our application at any point of time without notice.

viii).

INDEMNITY

You agree to indemnify us and our affiliates and our respective directors, officers, employees and

agents, as well as their representatives, from and against any and all claims, actions, suits or

proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including

reasonable legal fees) arising out of:

Any misrepresentation, act or omission made by you in connection with your use of our sites; or

Any non-compliance by you with these terms

ix).

LIABILITY

In respect of all aspects of our sites and our supply of products and any other party (whether or not

involved in creating, producing, maintaining or delivering our sites), and any of our group companies

and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and

responsibility for any amount or kind of loss or damage that may result to you or a third party

(including without limitation, any direct, indirect, punitive or consequential loss or damages, or any

loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or

connected in any way to business interruption, and whether in tort (including without limitation

negligence), contract or otherwise) in connection with our sites in any way or in connection with the

use, inability to use or the results of use of our sites, any websites linked to our sites or the material on

such websites, including but not limited to loss or damage due to viruses that may infect your

computer equipment, software, data or other property on account of your access to, use of, or

browsing our sites or your downloading of any material from our sites or any websites linked to our

sites.

If you choose to post your location, your intended location or any other such personal information

on our sites you accept that this is entirely at your own risk and we are not responsible for any loss or

harm which occurs as a result of your sharing any information about your location or intended

location.

This Section does not in any way limit our liability: for death or personal injury caused by our

negligence; under section 2(3) of the Consumer Protection Act 1987; or for fraud or fraudulent

misrepresentation; or for any matter for which it would be illegal for us to exclude, or attempt to

exclude, our liability.

Where you buy any product or service from a third-party seller through our sites, the seller's individual

liability will be set out in the seller's terms and conditions.

x).

REWARD

We may introduce rewards, discounts, or promotion scheme in conjunction with other companies

from time to time in respect of a certain number of our products. The terms and condition for the

rewards, discounts and promotion will be disclosed at the time the reward, discounts or promotion is

launched. The rewards, discounts and promotion will also be subject to the terms and conditions of

the other associate companies as well.

xi).

YOUR RESPONSIBILITY; DAMAGE LIMITS.

You have sole responsibility for use of the products/services you purchase or avail through these

websites. In no event shall Flyhi Finance be liable to you in relation to the products/services, or your

use, misuse, or inability to use the products or services, for either any - (i) indirect, punitive, special,

exemplary, incidental, or consequential damage or direct damages in excess of the amount you paid

FHFSL or its financial partners for the services.

xii).

DISCLAIMER

Our sites may be temporarily unavailable at any point of time due to maintenance, up-gradation, or

any other reason. We do not claim any responsibility, liability for any omission, error deletion, defect,

or destruction in user communication. We are not responsible for any malfunction technical or other

problem of any telephone network or service, computer systems, servers or providers, computer or

mobile phone equipment, software, failure of email on account of technical problems or traffic

congestion in our sites or application, including injury or damage to your or to any other person's

computer, hardware, software or mobile phone as a result from using or downloading materials in

connection with our Sites and/or application. We are not responsible or liable for any loss or damage

resulting from the use of our sites or application or any content or third-party applications, software or

content posted on or through our sites or transmitted to users, or any interactions between users of

our sites, whether online or offline.

User takes full responsibility for providing personal or academic information and indemnifies the

company or any of its financial partners and associates for any wrong information provided by

him/her under the India law.

xiii).

THIRD-PARTY WEBSITES AND CONTENT

Our Sites may contain links to other websites ("Third-Party Sites") as well as applications, software,

text, marks, graphics, pictures, designs, music, sound, video, articles, photographs, information, and

other content or material belonging to or originating from third parties (the "Third-Party Content").

We are not responsible for such Third-Party Contents and Third-Party Sites. We have not checked or

monitored the accuracy or completeness of the said Third Party Contents and Third-Party Sites

respectively. If you access or install a Third-Party Contents you are doing the same at your own risk

and you should read and review the respective terms and conditions thereof and our terms and

conditions and privacy policies will no longer be applicable in any manner.

xiv).

APPLICABLE LAW AND JURISDICTION

These terms and conditions are governed by and to be interpreted in accordance with laws

of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You

agree, in the event of any dispute arising in relation to these terms and conditions or any

dispute arising in relation to the websites whether in contract or tort or otherwise, to

submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such

disputes.

xv).

LIMITATION OF LIABILITY

Your use of our sites is at your own risk. In no event and under no circumstances and under

no legal theory, tort, contract, or otherwise shall Fly Hi Financial Services Ltd. be liable,

without limitation, for any damages whatsoever, including direct, indirect, incidental,

consequential or punitive damages, arising out of any access to or any use of or any inability

to access or use this websites including any material, information, links, and content accessed

through these websites or through any linked external websites. Note: If you are under the

age of 18, it is mandatory that your parent or guardian has read and accepted the terms and

conditions mentioned hereinabove on your behalf and by your use of the sites it is deemed

that you have obtained parental consent for the same. If your parent or guardian has not read

and agreed to the terms and conditions, you will not have permission to use our sites.

xvi).

CANCELLATION / REFUND

Flyhi Finance strongly recommends that all their Borrowers – read, understand, and

familiarize themselves with our business model and cancellation & refund policy prior to

using any services of Flyhi Finance. No overseas payment can be made through wire

transfer or any other means to our bank account.

In the event of cancellation of services due to any avoidable/unavoidable reasons we must be

notified of the same in writing or on email. Cancellation request should be placed within 24

hours of agreement.

Any refunds, if applicable within the purview of our refund policy, will be processed over a

period of 2-4 weeks due to Indian banking procedures. The refund policy is subject to change

by Flyhi Finance. The changes will apply after due legal diligence. Suitable announcements will

be made on the websites and legally-compliant notice period will be given before any

changes come into force. If lenders or borrowers do not accept the revised policy, they

should not continue to use the services and inform us about the same. If lenders or

borrowers continue to use the services after the date on which the change comes into effect,

their use of the services indicates the agreement to be bound by the new refund policy.

Please note that there may be certain instruction to remit payments or seek rendition of

services that Flyhi Finance is unable to accept shall be cancel. We reserve the right, at our sole

discretion, to refuse or cancel any order for any reason. We may also require additional

verifications or information before accepting any instruction or registering you on are portal

as a lender or a borrower. The loan processing may get rejected at any stage due to lack of

information or verifiable information.

Fly Hi Financial Services Ltd. provides Parents and Students with the most convenient and

easiest options to pay fees to their Institute.