Welcome to www.konarkfinserv.com (the "Website"). Konark Commercial Ltd, a Non-Banking Financial Company (NBFC) established by the Companies Act, is the owner and operator of this website. This understanding, agreement, or document is an electronic record created by a computer and published by Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011, as read with the Information Technology Act, 2000. It is not digitally or physically signed.

You must read and comprehend the Website's Privacy Policy as well as these General Terms of Use ("Terms") before using the website. You acknowledge and agree that your use of the Services constitutes acceptance of these Terms by accessing or using any of Konark Commercial Ltd's software, products, services, or the Website itself, or by purchasing any goods made available through partner institutions or other third parties ("Services"). Please do not use this website if you disagree with these Terms or the Privacy Policy.It is advised that you periodically check this page to stay up to date on the most recent revision of the Terms. Without giving previous notice, Konark Commercial Ltd retains the right, in its sole discretion, to alter or amend the Terms. As soon as you use the Website again after these changes, you agree to the revised Terms. Your only option is to stop using the Website if you disagree with any amended Terms.

Additional terms may apply between you and Konark Commercial Ltd in certain situations if you use certain services. Our services are meant to be used just in India. Please email privacy@gaganmetal.com with any queries or concerns you may have about these Terms.

PROPRIETARY RIGHTS

You understand and accept that Konark Commercial Ltd is the sole owner of all rights, title, and interest in and to the services made available on this website, including any potential intellectual property rights—whether registered or not. You additionally understand that Konark Commercial Ltd may designate certain information as confidential within the Services, and you commit to keeping such information private unless authorized in writing by Konark Commercial Ltd.

You are granted a limited license by Konark Commercial Ltd to access and make personal use of the Website and its Services. You are not authorized to download, copy, alter, reverse engineer, reverse assemble, or try to find the source code of any Services-related software using this license. It is not allowed for you to give a security interest in, sell, assign, sublicense, or transfer any other rights to the Services. Furthermore, you are not permitted to utilize any of the trade names, trademarks, service marks, logos, domain names, or other distinguishing characteristics of Konark Commercial Ltd. Any proprietary rights notices, such as trademark and copyright notices, that are attached to or integrated into the Services may not be removed, obscured, or altered. Any portion of the Services cannot be copied or transmitted without express consent.

All rights not specifically given to you under these Terms are reserved by Konark Commercial Ltd. Legal action and the termination of your access to the Website and Services may follow any unauthorized use of the Services or violation of these proprietary rights.

USAGE OF THE WEBSITE

This website is owned and administered by Konark Commercial Ltd , a Non-Banking Financial Company (NBFC) that provides financial services and products. Welcome to the Konark Commercial Ltd Website ("Website"). In keeping with Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011, as well as the Information Technology Act, 2000, this document fulfils the requirements for an electronic record and does not require digital or physical signatures.

General Terms of Use

You must carefully read and comprehend these General Terms of Use ("Terms") and the related Privacy Policy before accessing or using the Website. You acknowledge that your use of this Website ("Services"), including any access to or use of any goods, programs, features, or services offered by Konark Commercial Ltd, entails acceptance of these Terms. You must not use the Website if you disagree with these Terms or the Privacy Policy.

The Website is only meant to be used for private, non-commercial purposes. If you are at least eighteen years old and, by the laws that apply to your situation, legally able to enter into binding contracts, you may register as a member of the Website. It is your responsibility to keep your account information and passwords private. Whether or whether you permitted any activity carried out through your account, you are responsible for it.

When requested by the Website, you promise to give true, up-to-date, and comprehensive information about yourself. If Konark Commercial Ltd determines that any information you have supplied is false, inaccurate, out-of-date, or incomplete, or if Konark Commercial Ltd has good reason to believe that it is, it has the right to suspend or cancel your account and prevent you from accessing the Website in the future.

Communication Consent

You specifically agree to receive information about goods, services, deals, campaigns, or other promotional material from Konark Commercial Ltd or third parties via phone, SMS, email, WhatsApp, or other communication channels by using the Website and entering your personal and contact information. This involves following up with calls to ascertain your interest in particular goods and services and to finish applications.

You consent to receive communications from Konark Commercial Ltd, its partners, affiliates, service providers, vendors, and other third parties about offers of goods and services, marketing initiatives, and other information about the Services, even if your phone number is listed on the National Customer Preference Register (NCPR) or Do Not Disturb (DND) lists by TRAI regulations. You understand and agree that Konark Commercial Ltd and its partners may contact you by phone, email, or SMS

Additionally, you give Konark Commercial Ltd permission to use your information with other third parties for marketing, cross-selling goods and services, or offering value-added services, as well as with its group companies, vendors, and service providers. You acknowledge that withdrawing your consent will take effect going forward and will not impact data that you have already provided with partners with your prior consent. Your consent covers receiving communications from partner banks, financial institutions, or third parties.

KYC and Data Usage

When conducting financial transactions over the Website, Konark Commercial Ltd may gather necessary information for Know Your Customer (KYC) purposes and perform customer due diligence. By relevant rules and regulations, this entails confirming your identification and the reason for your interaction with banks and other financial organizations.

You grant Konark Commercial Ltd permission to gather, use, process, and disclose your Personal Information (PI), including sensitive personal information as specified by law, to complete your profile, carry out due diligence, determine your eligibility for certain goods and services, and handle applications. To improve your experience using the Website, your PI may be shared with vendors, service providers, and analytics partners in India and abroad, as long as security, data protection, and legal compliance are maintained.

Prohibited Activities

You consent to refrain from reselling Konark Commercial Ltd's services, data, or related software, as well as from using any automated or manual means to observe, duplicate, tamper with, or otherwise interfere with the website's proper operation. Using the Website for fraudulent applications, illegal purposes, or violating these Terms or local laws that apply in your jurisdiction are only a few examples of prohibited behaviours.

Compliance and Restrictions

Given that the Website is based in India, you consent to abide by all Indian laws and regulations as well as those that, if you are a foreign national, apply in your home country when using the Website. In its sole discretion, Konark Commercial Ltd retains the right to suspend, terminate, or limit your access to any portion of the website without prior warning or responsibility.

Content Guidelines

Posting or sending any illegal, threatening, defamatory, obscene, pornographic, or other content that violates someone else's rights to privacy or publicity is forbidden. Additionally prohibited are any forms of promotion, advertising, or solicitation for business. If you break these rules or hurt someone by posting anything harmful on the website, you are fully liable for any damages that follow.

Please email privacy@gaganmetal.com with any questions, complaints, or requests for clarification on these Terms or privacy-related issues. To give you a flawless online experience, we are dedicated to protecting the privacy and security of your information.

Your use of this website signifies your acceptance of these terms and commitment to following them to ensure a safe and legal relationship with Konark Commercial Ltd and its services.

DISCLAIMER OF WARRANTY

Greetings and welcome to the website (the "Website") of Konark Commercial Ltd, where we offer financial product-related services and information. This platform is operated by Konark Commercial Ltd subject to the following terms and conditions:

• General Disclaimer

The Website is made available "as is" and "as available" together with all of its information and services. Konark Commercial Ltd explicitly disclaims any warranties of any kind, whether expressed or implied, including the implied warranties of merchantability, accuracy, title, non-infringement, and fitness for a particular purpose, among others. We cannot promise that:

• The information on the website will always be accurate, thorough, up-to-date, or relevant to your particular situation.
• The website will be error-free, secure, function without hiccups, and satisfy your expectations.
• The outcomes derived from utilizing the Website or any services made available via it will be precise or trustworthy
• Any goods, services, data, or materials you get via the website will live up to your expectations in terms of quality.

Financial Information

A portion of the website's material is meant to raise general knowledge of financial and auxiliary services. Nevertheless, neither Konark Commercial Ltd nor any of the listed services are endorsed or promoted by this material, which does not amount to investment advice. Since the content and information are derived from publicly accessible sources, Konark Commercial Ltd is unable to confirm their veracity or accuracy.

Payment Gateway and Financial Transactions

Konark Commercial Ltd may collaborate with RBI-approved financial institutions and independent payment gateway aggregators to handle payments, refunds, and remittances associated with transactions made possible by the website. By the conditions set forth with our business partners, we start remitting payments after goods are delivered or services are completed.

Please note that we do not offer any refunds for our loan services.All transactions, once completed, are considered final. We advise customers to thoroughly review the terms and conditions before proceeding with any loan applications.

When utilizing the website's payment options, Konark Commercial Ltd disclaims all duty for:

• Transactions that are not allowed or that are not approved at all
• Problems with payments that come up during exchanges.
• Illegal payment methods are used, such as debit/credit card fraud.
• For any reason, the transaction is declined.

If we believe a transaction to be untrustworthy or for any other legitimate cause, we retain the right to perform extra security verifications or to reject it.

Liability Limitations

Using the online payment options does not hold Konark Commercial Ltd accountable for any of the following:

• Misdelivery, non-payment, non-receipt, damage, warranty violation, or fraud of the specified goods or services.
• Losses, rights, or demands resulting from a transaction not being processed.

When using the Website to purchase goods or services, you guarantee that the payment instrument you use is legally yours and that you will supply accurate payment information. Furthermore, your transactions are subject to the terms and conditions of banks or other financial institutions. Any obligation resulting from these entities declining to pay is disclaimed by Konark Commercial Ltd.

Territorial Limitations

The website only lists goods and services that can be delivered within India. There will be no deliveries made outside of India's borders.These terms of use and disclaimers are acknowledged and accepted by you by using the Konark Commercial Ltd website. It is advised that you routinely check these terms for modifications. Your only option is to stop using the Website if you disagree with any portion of these terms.

Please email privacy@gaganmetal.com with any queries or concerns you may have about these conditions. We are dedicated to maintaining the highest levels of financial integrity and customer service while offering a clear and safe internet experience.Understanding these terms will help you recognize your responsibilities and rights when using our website.

LIMITATION OF LIABILITY

Upon visiting Konark Commercial Ltd's website (the "Website"), we value openness and your comprehension of our terms and conditions. This platform is made available by Konark Commercial Ltd on the following conditions:

General Limitation of Liability

Konark Commercial Ltd disclaims all liability and responsibility for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages resulting from the following, including any of its officers, directors, employees, representatives, affiliates, and providers.

• Any interruption or delay in using or gaining access to any area of the website.
• Your incapacity to use this website or any of its elements.
• Our or any service provider's performance, or lack thereof.
• Any usage of the content on the website.

Any harm or viruses that could be brought about by accessing or downloading content from the website and infecting your computer system or other property.

Konark Commercial Ltd disclaims all liability, even if it has been informed of the risk of such damages.

• lost savings or earnings.
• Claims resulting from natural disasters, mishaps, delays, or any other
• Events outside of our control.

Third-Party Websites

For your convenience, the Website may provide links to websites operated by third parties. Nevertheless, Konark Commercial Ltd has no control over these external websites and disclaims all liability for their accessibility, advertising, content, goods, or services. These websites are not recommended by us, and we disclaim all liability for any harm, losses, or claims arising from your use of or reliance on their materials or services.You recognize and concur that:

• About any harm or loss resulting from or allegedly resulting from your use of or reliance on any third-party website, Konark Commercial Ltd disclaims all liability.
• It's possible that third-party websites, unaffiliated with Konark Commercial Ltd, have their privacy policies and terms and conditions. Before using our platform to access any third-party website, we advise reading their policies.

These liability restrictions are acknowledged and understood by you by using the Konark Commercial Ltd website. For updates, we ask that you check our terms and conditions frequently. Your only option is to stop using the Website if you disagree with any portion of these terms. Please email privacy@gaganmetal.com with any queries or concerns you may have about these conditions. We are dedicated to offering a trustworthy and safe online experience while upholding the greatest standards of honesty and customer care. Understanding these terms will help you to better understand your obligations and rights when using our website.

INDEMNITY

At Konark Commercial Ltd, we place a high value on being transparent and accountable in our communications with website visitors. By visiting and using this website, you consent to release and hold harmless Konark Commercial Ltd, its officers, directors, agents, and workers, from any liabilities, demands, lawsuits, losses, damages, fines, penalties, and other costs and expenses, including reasonable legal fees, resulting from or connected to:

• Violation of Agreement: Should you violate any of the conditions specified in our Terms of Use, such as those about the use of the Website, prohibited activities, or intellectual property rights, you consent to hold Konark Commercial Ltd harmless from any lawsuits or other legal actions that may be brought about by your conduct.
• Breaking the Law or Rights: Konark Commercial Ltd will be held liable for any infringement of third party rights, including but not limited to privacy rights, intellectual property rights, and contractual duties, as well as any breach of any laws or regulations. This covers lawsuits filed against Konark Commercial Ltd by third parties due to your actions or usage of our services.
• Utilizing the Website: You agree to hold Konark Commercial Ltd harmless from any claims or expenses resulting from your use of the Konark Commercial Ltd website, including any unauthorized use or abuse that causes harm to Konark Commercial Ltd or third parties. This includes situations in which your activities result in interruptions, illegal access, or misuse of our services in any way.

Obligations Under indemnification: According to the terms of the indemnification agreement,

• Legal Expenses:-To defend Konark Commercial Ltd against any claims covered by this indemnity provision, you undertake to pay back all reasonable attorneys' fees and associated costs.
• Notification:- Notify Konark Commercial Ltd right away of any prospective claims or actions that can result in indemnity obligations so that we can work together to successfully defend ourselves.
• Adherence: To reduce the possibility of claims or disputes, use the Konark Commercial Ltd Website by all applicable laws, rules, and our Terms of Use.

Commitment to Security and Integrity

Konark Commercial Ltd is dedicated to providing a dependable and safe online experience for all users. We take proactive steps to safeguard user data, preserve the greatest levels of corporate ethics, and remain compliant with the law. You understand the significance of these agreements and the necessity to protect against any legal ramifications from your acts or usage of our services by agreeing to indemnify us.

WAIVER

At Konark Commercial Ltd, we adhere to clear principles regarding our rights and obligations under the Terms of Use governing our Website. It is important to understand the concept of waiver as it pertains to our operations and interactions with users.

a. Non-Waiver Principle: Any failure or delay by Konark Commercial Ltd to enforce or exercise any provision of these Terms, or any related right, does not imply a waiver of that provision or right. We maintain the ability to enforce our Terms consistently, irrespective of prior instances where enforcement may not have occurred. At Konark Commercial Ltd, we follow unambiguous guidelines concerning our rights and responsibilities by the Terms of Use that govern our website. In light of our operations and user interactions, it is critical to comprehend the meaning of waiver.

b. The Non-Waiver Concept: Any term of these Terms or related right that Konark Commercial Ltd fails or delays to enforce or exercise does not mean that such provision or right is waived. We retain the right to continuously enforce our Terms, regardless of previous situations in which enforcement might not have taken place.

c. Right Reservation: The exercise by Konark Commercial Ltd of any one or more of our rights under these Terms does not preclude or restrict us from pursuing any other remedies or rights that we may have under the Terms, the applicable laws, or the principles of equity. Every case of upholding our rights is distinct from the others and does not lessen our ability to deal with infractions or breaches entirely.

d. Mandatory Written Waiver: A lawfully authorized officer of Konark Commercial Ltd must execute any waiver of a term of these Terms in writing for it to be effective. This formal requirement helps to guarantee that no rights or provisions specified in our Terms of Use are waived inadvertently and avoids misunderstandings.

Force Majeure Clause

Konark Commercial Ltd shall be released from its obligations for the duration of any force majeure event in which the company's ability to provide services or manage its website is impeded, delayed, or interrupted by events outside of its control, including labour disputes, natural disasters, extreme weather, material shortages, cyberattacks involving viruses and malware, hacking incidents, utility or communication outages, war, terrorism, governmental actions, or any other similar events.

Konark Commercial Ltd shall not be considered to be in default at such times, nor shall it be subject to any legal ramifications due to its incapacity to provide its services or carry out regular website operations.

ADDITIONAL TERMS

Your rights and duties under these Terms may not be assigned or transferred. Konark Commercial Ltd retains the right to transfer its obligations and rights under these Terms to any third party without informing you in advance or changing the terms in any way. We retain the right to take action in response to any future or comparable breaches, even if we choose not to do so in response to yours or anyone else's breach at any point. Financial goods that you may apply for on our website, such as loans and credit services, may have additional terms and conditions. These additional terms and conditions must be followed. The laws of India shall apply to these Terms and our observance of them, notwithstanding its regulations regarding conflicts of laws. You consent to file any legal action solely in the courts of Chennai, India, about your use of the Website or these Terms. The successful party in any lawsuit we file will be entitled to reimbursement for all costs associated with the case, including reasonable legal fees and costs that are both taxable and non-taxable. You certify that you have read and comprehended these terms, which are binding on you in the same way as a written contract. This clause will remain in effect even after this agreement ends.

At any time it thinks appropriate, Konark Commercial Ltd retains the right to make modifications to the Website, associated agreements and policies, these Terms of Use, and the Privacy Policy. This covers but is not limited to, updating information to reflect changes in the process flow, scope, and nature of the Services and ancillary services, market practice, customer requirements, and compliance with evolving laws and regulations. It also includes rectifying inaccuracies, omissions, errors, or ambiguities. If anything changes, Konark Commercial Ltd will post the revised Terms online or via another channel. By using the Services and related services going forward, you agree to be bound by the updated Terms and to accept the modifications. You are free to stop using the Services if you disagree with the modifications

Additional Conditions and Terms

• Rights Assignment and Transfer: No part of these Terms may be assigned or transferred by you. Without prior notification or regard to the assignment as a modification to the Terms, Konark Commercial Ltd may assign its rights and obligations under these Terms.
• Cessation of Rights: Our inaction in response to any breach—yours or of anyone else—does not absolve us of our obligation to take action in the event of additional or comparable breaches in the future
• Regulation of Law and Authority: Without reference to its conflict of laws provisions, the laws of India shall apply to these Terms. You consent to bring any legal action under these Terms or in connection with your use of the Website exclusively in Chennai, India's courts. In any such action, the winning party shall be entitled to reimbursement for all incurred legal costs, including reasonable attorney fees
• Recognition: You agree that these Terms, which have the same legal force and effect as a formal agreement, have been read, understood, and will be enforceable by accessing our website. This acknowledgement will remain valid even after this agreement ends.
• Right to Change the Terms: The Website, associated agreements, rules, these Terms of Use, and the Privacy Policy are all subject to change at any moment by Konark Commercial Ltd. Modifications may be implemented to adhere to legal or regulatory requirements, rectify errors, and accommodate service modifications, firm reorganizations, market trends, or client requests.
• Notification of Modifications: Konark Commercial Ltd shall notify you of any changes to the Terms via email or other channels or on the Website. Following such notification, your continuing use of the Services and related services indicates your agreement to be governed by the updated Terms and your acceptance of the changes.