ARPN FINTECH PRIVATE LIMITED a company incorporated under the Companies Act, 2013 having its registered office at PLOT NO. D2, PRADHAN MANTRI AWAS YOJANA Nandanvan Colony Nagpur Nagpur MH 440024, CIN U62013MH2023PTC410626. ARPN FINTECH PRIVATE LIMITED operates the portal in India, providing services through the web- portal and mobile application “Affi Grow” operated by ARPN FINTECH PRIVATE LIMITED referred to herein as or “we” or “us” “our”..

ARPN FINTECH PRIVATE LIMITED offers support provider the opportunity to earn money by selling a variety of financial and non-financial products and services, such as affiliate marketing, digital marketing, offline & online marketing, and refer and earn etc., through our technological platform.

Any “User” or “you” or “your” who makes use of the Portal or any of its features, such as the Services offered on the Portal, is bound by the terms of this privacy statement.

This Privacy Policy is an electronic record in the form of an electronic contract formed under the information Technology Act, 2000 and the rules made there under and the amended provisions pertaining to electronic documents / records in various statutes as amended by the information Technology Act, 2000. This Privacy Policy does not require any physical, electronic or digital signature.

This privacy policy forms part of our website’s terms and conditions of Service, by accepting and the Privacy Policy on the registration page, you consent to provide sensitive personal data or personal information and are aware of the purpose of sharing such information.

By registering with us, you are consenting to the practices described in this Privacy Policy. The registration procedure to access our services cannot be completed until information in the non-optional fields is provided.

Before you submit any information to the Portal, please read this Privacy Policy. By using any part of the Portal or mobile application, you consent to the collection, use, disclosure of your information for the purposes outlined in this Privacy Policy. We request you to carefully read these Terms from time to time before using the Platform. You should check these Terms periodically for changes.

We may periodically review and change our Privacy Policy to incorporate such future changes as may be considered appropriate. We will notify you of the change. Any changes to our Privacy Policy will be posted on this page as well as notified through our mobile application.

The company’s business involves encouraging users to buy its products through advertising financial products on its website.

GENERAL

We will not sell, share, rent your personal information to any 3 rd party or use your email address
/mobile number for unsolicited emails and/or SMS. We have implemented reasonable security
practices and procedures that are commensurate with the information assets being protected and with
the nature of our business. While we try our best to provide security, the inherent vulnerabilities of the
internet, we cannot ensure or warrant complete security of all information that is being transferred
to us by you.

If you have additional questions or require more information about our privacy policy, do not hesitate
to contact us and if you don’t agree with the Terms and Conditions of Use in our privacy policy then
do not use our services.

DEFINITION

For the purposes of this Privacy Policy:

1. Account: means a unique account created for you when you download company’s product and make registration / register yourself to access our Service or parts of our Service.
2. Application: refers to Affi Grow the mobile application provided by the Company.
3. Company: (referred to as either “the Company”, “We”, “Us”, “Our” or “Company” in this Agreement) refers to ARPN FINTECH PRIVATE LIMITED.
4. Cookies: A cookie is a small text file that uniquely identifies your browser when you visit a website. Cookies allow us to retain your preferences and account settings, among other things.
5. Device: means any device that can download application or where you can access the Services such as a mobile, tablet, computer, etc.
6. Website: refers to – http://www.arpnfintech.com
7. Minor – not having reached majority age (18 years)
8. Applicable Laws -means all applicable statutes, enactments, laws, ordinances, treaties, conventions, protocols, bye-laws, rules, regulations, guidelines, notifications, notices, and/ or judgments, decrees, injunctions, writs or orders, instructions, decisions of any court or and awards or other requirements or official directives of any governmental authority, in any jurisdiction, as may be applicable to the relevant person.
9. Bank Account- means a financial account maintained with Banking Company or a financial institution and shall include a wallet maintained with an entity authorized by Reserve Bank of India.
10. Withdrawal- shall mean the transfer of all or part of the Withdrawable Balance to a designated Bank Account, upon specific instructions by the user to initiate such transfer.
11. Withdrawal Request – shall mean a request by the User to initiate Withdrawal.
12. Privacy Policy – Privacy Policy is an electronic record in the form of an electronic contract formed under the information Technology Act, 2000 and the rules made there under and the amended provisions pertaining to electronic documents / records in various statutes as amended by the information Technology Act, 2000.
13. Support Provider – A person who is self-employed, and will be working on behalf of company
    at times and earning income from the same.

INFORMATION COLLECTED BY US

To avail services on this website and through our application via support provider user would need to provide certain information namely –

1. Name:
2. Email ID:
3. Phone Number:
4. Government ID for proof and KYC compliance (Aadhaar card, pan card):
5. Location access through IP address:

Additionally in the course of providing you with access to the Services, and in order to provide you access to the features offered through the Portal. We might need to confirm your identification and protect your bank information; we will gather this information through our support providers, who will act as the only available channel between the company and the customer using its services. The company won’t take part in any activities directly and won’t be held accountable for any unethical conduct on the part of the support provider.

In the course of providing the Services you may use our referral link feature for inviting users through sharing links via SMS, emails, and social media applications such as Instagram, WhatsApp messenger and may register him to enjoy the services provided by us.

PURPOSE OF COLLECTING INFORMTION

• Allowing users to access the webpage
• Facilitating the transactions or reporting on them;
• To conduct research and analytics to sell or enhance products/services, as well as their security and level of service;
• To examine and handle any user requests, instructions, or requests that the financial institution has sent.
• To provide users with information on revisions to the products/services’ terms and conditions.
• To supply users with items and to confirm users’ identities.
• To conduct credit checks, screens, or due diligence checks as the company may legally demand.
• To design and maintain multiple risk management models as well as to engage in financial, regulatory, and management reporting.
• To carry out audits and maintain records.
• Should adhere to the requirements of any relevant laws, rules, court decisions, or regulatory directives

SECURITY MEASURES

ARPN FINTECH PRIVATE LIMITED takes steps to protect your information against unauthorized
access, use, disclosure, or alteration by taking commercially reasonable security precautions. In order to
accomplish this, we implement reasonable security practices and procedures, in accordance with
industry standards, to include technical, operational, managerial, and physical security controls to guard
against unauthorized access to or disclosure of your personal information while it is in our possession.

You understand that, despite the fact that we protect your Personal information in accordance with
industry norms, we cannot guarantee the absolute security of your Personal information due to the
insecurity of computer networks or the internet.

As a result, you agree that you will not hold ARPN FINTECH PRIVATE LIMITED accountable in
any way for the loss of any information or other material that you share with us or that we have in our
possession if such loss or any harm to you is caused by Force Majeure occurrences. You additionally
accept that you do so at your own risk and that you are responsible for any information (including
personal information) that you submit to us or via the use of the website.

It is made clear that events classified as Force Majeure include any occurrence that is beyond Arpn
Fintech Private Limited’s reasonable control, including but not limited to sabotage, fire, flood,
explosion, acts of God, civil unrest, strikes or other forms of industrial action, riots, insurrection, war,
acts of government, computer hacking, unauthorized access to computers, computers systems, or
computer networks, computer crashes, security breaches, and encryption.

DATA SHARING

We don’t lend, sell, or otherwise disclose any of your personal information to third parties. We provide
the information to trusted partners, including third-party service partners, including business partners,
affiliates, service provider, who work on behalf of or with ARPN FINTECH PRIVATE LIMITED
under confidentiality agreements and also to the authorized payment gateways, payment processors,
etc. for the purpose of billing and collection.

ARPN FINTECH PRIVATE LIMITED may also share such information with third party service
providers engaged by ARPN FINTECH PRIVATE LIMITED for the purpose of data analytics or for
the purpose of storage, improving the services and to serve you with better experienc

USE OF COOKIES

A cookie is a small text file that uniquely identifies your browser when you visit a website. Cookies allow us to retain your preferences and account settings, among other things. To improve the effectiveness and usability of the Portal for our Users, we use “cookies”, or such similar electronic tools to collect information. A cookie cannot read data off the User’s device hard drive. Cookies can also help us provide information that is targeted to your interests. We strive to provide you with choices regarding the personal information you provide to us.

DATA SECURITY

The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (the “SDPI Rules”), namely Rule 4; and The 2011 Information Technology (Intermediary Guidelines) Rules, as modified, contain Rule 3.

MINOR

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18.

LIMITED LIABILITY

Company will not be liable for the following –

• To engage in any obscene, offensive, racial, communal, anti-national, objectionable, defamatory or abusive action or communication;
• To harass, stalk, threaten, or otherwise violate any legal rights of other individual.
• To publish, post, upload, e-mail, distribute, any inappropriate, defamatory, infringing, or
  unlawful content.
• To Transmit files that contain viruses, corrupted files, or any other similar software or programs
  that may damage or adversely affect the operation of another person’s computer, any software,
  hardware, or telecommunications equipment;
• To advertise, offer or sell any goods or services for any purpose without the express written
  consent of ARPN FINTECH PRIVATE LIMITED.
• Links to any other website are considered to be governed by their respective privacy policies
  and is beyond OUR control.
• Any unlawful activity involving our support provider is beyond our control and the company
  will not be held liable for the acts done by them.
• Any information collected by us directly will be considered as data which is secured by our
  end but is not considered same from the side of support provider.
• If a support provider’s default is proven to be true, the company will take the appropriate legal
  action.

SERVICE PROVIDER

We might work with independent firms and people for the following reasons:

• to make our Service easier;
• to deliver the Service in place;

Users of our Service should be aware that these outside parties may have access to their personal
information. To carry out the duties delegated to them on our behalf. They must, however, keep the
information private and not use it or reveal it for any other reason.

TERMS AND MODIFICATION

ARPN FINTECH PRIVATE LIMITED has all rights to update or change privacy policy whenever our
all platforms need changes or updates in features and functionalities for the improvement of our
services. Whenever revised policy will upload on company’s platform, all users will be notified by
notifications in application, website and email. You are advised to review this Privacy Policy
periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this
page.

COMPLAINTS AND GRIVENCE REDRESSAL

If you contact us to provide feedback, register a complaint, or ask a question, we will record any
Personal Information and other content that you provide in your communication so that we can
effectively respond to your communication.

Any concerns in relation to content of this Website or any dispute involving user should be
immediately informed to us in writing by the email mentioned below.

Email ID: support@arpnfintech.com

Contact Us @

+918080645078

Time: 9 am – 5 pm

We will strive to address your feedback and concerns in a timely and effective manner.

TERMS OF USE

This Terms of Use is published by ARPN FINTECH PRIVATE LIMITED, a company incorporated under the Companies Act, 2013, having its registered office at PLOT NO. D2, PRADHAN MANTRI AWAS YOJANA Nandavan Colony Nagpur MH-440024, CIN U62013MH2023PTC410626 hereinafter referred to as “Company” having its mobile application named as “Affi Grow” and govern the persons downloading, signing up/registering on the application and purchasing the financial products as presented by company. This Term of use should be read with the Privacy Policy.

Users are therefore notified that by using the company website/ application it is deemed that the users have consented to the terms of use and privacy policy at the time of registration and that the user represents to the company that their age is 18 years or more than 18 years and that they are authorized to use the website and to enter into this agreement.

A user shall immediately stop using the company website and mobile application if the user disagrees with the terms of use or intends to withdraw their consent to the same.

According to the Indian Contract Act, of 1872, the Information Technology Act, of 2000, and the Information Technology guidelines, these TERMS OF USE and the PRIVACY POLICY are a legally binding agreement between the User and the Company, and they hereby contain the following terms: –

• It is extremely harmful, harassing, abusive, defamatory, obscene,
  pornographic, invading another person’s privacy, hateful, racially or
  ethnically objectionable; disparaging; relating to or encouraging money
  laundering or gambling; or otherwise, unlawful in any way whatsoever.
• Hurt children in any form;
• Violates any currently in effect laws; deceives or misleads the addressee
  about the origin of such messages; or communicates any information that
  is blatantly offensive or ominous in nature.
• Contains computer code, files, or programs that have the ability to
  interrupt, delete, or restrict the use of any computer resource;
• Is an invasion of the personal space of another individual, including their
  body.
• Is offensive or harassing due to a person’s gender.
• Encourages hostility between various groups on the basis of caste or
  religion with the intention of igniting bloodshed. These may be seen as
  unsolicited messages, whether commercial or not.

User-specific Terms & Conditions

It is understood that the user has read the terms of the agreement and Privacy Policy and is aware of all aspects linked to the information collected by the company from such User by continuing to use the website and giving consent in the manner stated above.

The user represents and certifies that the Company shall not be held liable for any damage incurred by the user and that it shall be the user’s responsibility to educate himself about the plans and benefits of the products.

The user guarantees and declares that it will not divulge its OTP to any third parties and that it is aware of the reason for the acquisition of its personal data. As a result, the user is freely giving their permission to the collection of their personal data.

Before utilizing or acquiring financial services, the user must take all necessary safeguards. The financial institution may ask the user to provide specific information related to their interest if they intend to utilize the website’s services.

The user guarantees and declares that any advice or information obtained from the website will not give rise to any implied warranties or guarantees from the Company that are not clearly expressed in this document. The user also agrees and acknowledges that it is their duty to verify the truthfulness, exhaustiveness, and applicability of any statements made in all opinions, advice, services, products, and other information on the website.

The user guarantees that the advertisements, terms, and conditions relating to the products are dependent on third parties, namely the financial institutions providing such products and that the company will not be held responsible for any losses suffered by the user as a result.

The User also acknowledges and agrees that if the Company learns (either directly from the User or through reports from other Users or third parties) that the User is not complying with any of the terms of this terms of use and Privacy Policy, or any currently-applicable law, it from the website of the User. The company has the right to do these things without informing the User first. Additionally, the company shall be permitted to disclose such information to legal counsel, regulatory bodies, and law enforcement organizations.

The User acknowledges that, unless specifically stated in writing, the Company is not obligated to make up for any losses the User may sustain. The User irrevocably waives all rights to assert claims, bring legal action, or threaten to bring legal proceedings against the Company in an effort to obtain indemnification.

The User understands and agrees that the Company shall under no circumstances be liable for any losses, damages, or expenses incurred by the User as a result of the disclosure by the Company of information (that is disclosed with the User’s consent in accordance with this Terms of use and the Privacy Policy or that is disclosed by Company to government, investigative, or regulatory authorities in a manner permitted by law). The User acknowledges and accepts that the revocation of agreements shall take effect as of the day the Company acknowledges the User’s notification of such revocation and shall not, under any circumstances, be retroactive.

It Is Hereby Explicitly Claimed That The Company Shall Not Be Liable And Does Not Make Any Warranties To The Accuracy, Technical Correctness, Bonafide, Or Authenticity Of Any Information On The Website (including but not limited to price, description, advertisements, content on third-party linked websites)

while the company may use its best effort to ensure the technical keeping, maintenance, and availability of the website, the company shall in no event be responsible for any loss of data of the user or for website failure or website-related problems (technical or otherwise). additionally, it is specifically disclaimed that the company may, without notification to the user, migrate, transfer, shut down, or modify the website or any part thereof at any time and at its sole discretion.

A force-majeure event, such as a natural disaster, a strike, a lockout, a work stoppage, a riot, an act of terrorism, technical issues or failures, or vendor delays or failures, shall not relieve the Company of its obligations under this TOU or the Privacy Policy if such delay or failure is attributable to factors beyond its control.

The user is in charge of making all preparations required for access to the website and, consequently, the Services. The user is also in charge of making sure that anyone using their account to access the website is aware of these terms and agrees to abide by them. All actions or omissions under the User’s account are the joint and several liability of the User and such individuals. User acknowledges that access to their account depends on outside variables, such as internet service providers and network availability, and that the company is not responsible for any harm caused by their inability to access their account.

By signing this agreement, the user affirms that they are in conformity with all applicable laws. The User understands and accepts that the Company will not be held responsible for any disputes between the Users or made a party to such disputes. Instead, the User will be responsible for holding the Company harmless from and against any losses, damages, or claims that may be made or threatened against the Company.