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Terms & Conditions

Last Updated on 29 Dec 2022

Welcome to the terms and conditions for Aspire (“Terms“). These Terms mandate the terms  on which the users (“You” or “Your” or “Yourself” or “User”) access and register on the  website www.letsaspire.in (“Website”) and mobile application ‘Aspire’ collectively referred  to as (the “Platform”), operated and managed by Aspire Fintech Private Limited, having its  registered office at 1st Floor, Block B, Cowrks Yelahanka, Sy No 144, Bellary Road, RMZ  Galleria, Ambedkar Colony, Yelahanka, Bangalore – 560064 (“Aspire” or “We” or “Us” or  “Our” ). These Terms are applicable between You and Us. 

These Terms are ‘electronic record’ in terms of the Information Technology Act, 2000 and  rules made thereunder as applicable. The Terms are (i) published in accordance with the  provisions of Rule 3(1)(a) of the Information Technology (Intermediary Guidelines and  Digital Media Ethics Code) Rules, 2021 and (ii) generated by a computer system and does  not require any physical, electronic, or digital signatures by Aspire. 

Aspire retains an unconditional right to modify or amend these Terms and Privacy Policy  and notify You of the same. You can determine when these Terms were last modified by  referring to the “Last Updated” legend above. It shall be Your responsibility to check the  Terms periodically for changes. Your continued usage of the Platform shall signify Your  consent to such changes and agreement to be legally bound by the same.  

Further, by furnishing Your information to Us or by giving Your consent to Aspire to access  Your information as provided under Our Privacy Policy for the purpose of facilitating the  Facility (defined below), You also agree that You are interested in availing services in  relation to the Facility through the Platform in accordance with these Terms.

  1. Services 

1.1. You acknowledge that the Platform allows You to avail the following services  including, limited, non-exclusive, non-transferable, and royalty free license to  use the Platform as a single window system for the purposes of: 

(a) Facilitation of transactions for purchase of goods or services You make  through select online and offline medium, platforms, stores or  marketplaces (“Authorized Property“) using a credit facility (“Facility”)  extended by our lending partners (“Lending Partner”) and making 

payments for the same on a deferred basis in instalments. It is clarified  that these Terms shall be applicable only if Facility is available for  payment on the Authorized Property. These Terms are applicable in  addition to any terms and conditions that may be applicable to Your use  of the Authorized Property where Facility is available as a payment option.

The aforementioned services shall be collectively referred to as the “Services”. Aspire  may, at its discretion, add, modify, or remove any of the Services listed above from  time to time without special notice.  

1.2. Aspire is only facilitating the process of availing the Facility from Our Lending  Partners responsible for the Facility. All activities with respect to the Facility are solely handled by the relevant Lending Partner from whom the Facility has been  availed. 

1.3. Aspire does not: (i) adopt any ‘unfair trade practices’ either on the Platform or  otherwise with respect to the Services; and (ii) discriminate between Users of  the same class or makes any arbitrarily classification of the Users. 

  1. Eligibility to Use 

2.1. Use and access to the Platform is available to all persons who can be legally  bound by contract and who are not disqualified or declared incompetent under  the Indian Contract Act, 1872. You hereby represent that You are: (i) of legal age  to form a binding contract i.e., above 18 (eighteen) years of age (ii) not a person  barred from receiving the Services from the Platform under the applicable laws  and (iii) competent to enter into a binding contract. In case You are accessing  the Platform as a representative of and on behalf of a legal entity or  organisation, (i) You represent and warrant that You have the full authority to  represent the legal entity and have power to bind them; and (ii) You understand  that the Privacy Policy, upon acceptance by You, is applicable to and binds all  other persons accessing or using the Platform and the Services on behalf of the  same legal entity or organisation for this purpose. 

  1. User Account, Password and Security 

3.1. In order to access Services, You will have to register on the Platform by providing  requisite details as may be required by Aspire and provided for in the Privacy  Policy (“Account”). You authorize Aspire to collect Your authentication  information, and other information that may be available on or through the  phone number consistent with Your applicable settings and instructions. 

3.2. You shall not have more than one active Account on the Platform. Additionally, You are prohibited from selling, trading, or otherwise transferring Your Account  to another party. 

3.3. You shall ensure and confirm that the Account information and all information  provided by You is complete, accurate and up-to-date. If there is any change  in the Account information, or if any information is found to be incomplete or  incorrect, You shall promptly update Your Account information on the Platform  or request Aspire for information revision or update. If You provide any  information that is untrue, inaccurate, unauthorised, not current, or incomplete  (or becomes untrue, inaccurate, not current, or incomplete), or if Aspire has  reasonable grounds to suspect that such information is untrue, inaccurate, not  current, or incomplete, Aspire has the right to refuse any and all the Services. 

3.4. You are responsible for maintaining the confidentiality of the Account  information, safeguarding the password or credentials that You use to access 

the Service and for any activities or actions under Your Account. You are  encouraged to use “strong” passwords (passwords that use a combination of  upper and lower-case letters, numbers and special characters) with Your  Account and with other accounts that You may connect to Your Account (such  as Your email account). 

3.5. You agree to (a) immediately notify Aspire of any unauthorized use of Your  Account information or any other breach of security, and (b) ensure that You  exit from Your Account at the end of each session. Aspire cannot and will not be  liable for any loss or damage arising from Your failure to comply with the above  requirements. Further, Aspire will not be liable for any loss that You may incur as  a consequence of unauthorized use of Your Account either with or without Your  knowledge. 

3.6. You may be held liable for losses incurred by Aspire or any other user or visitor  of the Platform due to authorized or unauthorized use of Your Account as a result  of Your failure in keeping Your Account information secure and confidential. 

  1. Additional Terms

4.1. The following terms & conditions apply to all transactions made on Authorized  Property using the Facility: 

The following terms & conditions apply to all transactions made on Authorized Property  using the Facility: – 

Facility is a payment option available to certain select customers to make payments on the  Authorized Property. Facility option may only be available for purchase of select good or  services on the Authorized Property. 

(a) Facility is a payment option available to certain select Users to make  payments on the Authorized Property. Facility option may only be  available for purchase of select good or services on the Authorized  Property.  

(b) If You choose to pay using Facility, You will transact with Lending Partner.  Prior to providing the Facility, Lending Partner may (in their discretion)  conduct credit approval checks for You. 

(c) Provision of the Facility is at the discretion of the Lending Partner and the  Lending Partner reserves the right to reject (exercisable in its discretion)  the Facility to You, with or without any notice or reason and without any  liability. 

(d) As a pre-requisite to avail the Facility, You are required to have a PAN  (permanent account number) card, we will also require access Your  Aadhaar details for KYC purposes. Further, You must also have a bank  account with one of the specified banks in India.

(e) To avail the Facility, the You must enter into a loan agreement with Lending  Partner (“Loan Agreement“) as an essential pre-condition, in the form and  manner notified by Lending Partner. 

(f) Facility can only be used for purchases on the Authorized Property if You  have sufficient balance/limit available under the Facility granted by the  Lending Partner. 

(g) The amount of the Facility may be modified, and the Facility may be  cancelled by the Lending Partner in its discretion, and without assigning  any reason and without any liability. 

(h) Repayment of the Facility is governed by the terms notified by the Lending  Partner from time to time. The Lending Partner may make various modes  and mediums available for repayment of the Facility. 

(i) Availing the Facility is governed by the terms and conditions prescribed  by the Lending Partner and any other terms that the Lending Partner may  notify from time to time. 

(j) You also agree and acknowledge that Aspire and its affiliates will not be  liable or responsible for any claim on account of availability or non availability of Facility on Authorized Property. 

(k) By availing the Facility, You acknowledge that the Lending Partner may  use Your data in connection with the Facility, including without limitation  for processing and activation of the Facility. In this regard, You agree and  consents to Aspire sharing the information or data pertaining to You with  Lending Partner. 

(l) If You consent to Lending Partner collecting any data/information from  Aspire, You consent to and permits Aspire to share with Lending Partner,  Your data / information (so requested by Lending Partner) in possession  of Facility, which was collected from You by Aspire in respect of Your KYC  for other products offered by Aspire. 

(m) You hereby explicitly agree and acknowledge to provide Aspire with  access to the camera on Your device for the purpose of the “scan and  pay” feature of the Platform.  

(n) You agree that Aspire and its affiliates will not be liable for any losses or  damages suffered by You on account of use of the Facility, including  because of any fraud in connection with such use. 

(o) If an order for which payment has been made using the Facility is  cancelled, any refund to You or cancellation of the Facility will be  undertaken by the Lending Partner after confirmation from the Authorized  Property. 

(p) Aspire will not be held liable for any dispute arising out of or in connection  with use of the Facility. 

Please contact the Lending Partner for any queries in relation to the Facility. 

  1. Third Party Websites, Hyperlinks and Materials 

6.1. The Platform may contain materials contributed by third parties and Aspire  may, to provide access to information provided by third parties, provide or assist 

in providing links to external websites through the Platform. Aspire has not  approved or endorsed any of the materials contributed by third party websites  or any external websites linked to the Platform. The provision of any such  materials or links to external websites shall not constitute any form of co 

operation or affiliation with Aspire and any such third parties or external  websites. 

6.2. The provision of, or assistance in providing, materials contributed by third  parties on this website or links to external websites give rise to no statement,  representation or warranty, express or implied, that Aspire agrees or does not  disagree with the contents of any such materials or external websites and Aspire  will not have or accept any liability, obligation or responsibility whatsoever for  any loss, destruction or damage (including without limitation consequential  loss, destruction or damage) however arising from or in respect of any use or  misuse of or reliance on the contents of any such materials or external websites  delivered on or via this website or inability to use any of them. 

6.3. Aspire may include links to external websites and success stories (or case  studies) to help users better understand the Indian market. Aspire’s inclusion of  such links and content does not imply any endorsement of any material on  linked sites or recommendation of that company or provider over another. 

  1. Use of Platform

7.1. Subject to compliance with the Terms, Aspire hereby grants You a non exclusive, limited privilege to access and use the Platform. You agree to use the  Platform only: (a) for purposes that are permitted by the Terms; (b) in  accordance with any applicable law, regulation or generally accepted  practices or guidelines; and (c) for availing the Services through the Platform.  You agree not to engage in activities that may adversely affect the use of the  Platform by Aspire and/or other Users; 

7.2. You agree not to access (or attempt to access) the Platform by any means  other than through the interface that is provided by Aspire. You shall not use any  deep-link, robot, spider or other automatic device, program, algorithm or  methodology, or any similar or equivalent manual process, to access, acquire,  copy or monitor any portion of the Platform or Content (defined below), or in  any way reproduce or circumvent the navigational structure or presentation of  the Platform, materials, or any Content to obtain or attempt to obtain any  materials, documents or information through any means not specifically made  available through the Platform; 

7.3. You shall indemnify Aspire and its affiliates (its agents, employees, officers and  directors) (collectively “Indemnitees”) against all or any losses, liabilities,  claims, damages, demands, costs and expenses (including reasonable legal  fees) suffered by the Indemnitees on account of breach of undertakings,  representations and warranties, covenant or agreement made by You or  obligation to be performed by You pursuant to these Terms and/or the Privacy  Policy including any legal action / proceedings initiated by You or any third  party in connection with these Terms and unauthorized access to or storage of  Your information or Personal Information by the Lending Partner (its agents, 

employees, officers and directors) which are solely attributable to any breach,  negligence or fraud by You. Further, You agree to hold the Indemnitees harmless  against any claims made by any third party due to, or arising out of, or in  connection with, Your use of the Platform, any misrepresentation with respect to  the data or information provided by You, Your violation of the Terms and/or the  Privacy Policy, Your violation of applicable laws, or Your violation of any rights of  another, including any intellectual property rights. In no event shall Aspire and  its officers, partners, consultants, agents, and employees, be liable to You or any  third party for any special, incidental, indirect, consequential, or punitive  damages whatsoever, arising out of or in connection with Your use of or access  to the Platform or Content on the Platform. The limitations and exclusions in this  Clause apply to the maximum extent permitted by applicable laws. 

7.4. You declare that all the particulars and information and details provided by You  to Aspire are true, correct and accurate and You have not withheld /  suppressed any material and relevant information from Aspire 

7.5. You also authorize NSDL e-Governance Infrastructure Limited (NSDL e-Gov) to  and in respect of the following activities, on behalf of the Lending Partner:

(a) Use Your Aadhaar details for KYC proof, enabling You to eSign the loan  

agreement and/or eSign the NACH Mandate and authenticate Your  identity through the Aadhaar Authentication system (Aadhaar based e KYC services of UIDAI) in accordance with the provisions of the Aadhaar  (Targeted Delivery of Financial and other Subsidies, Benefits and Services)  Act, 2016 and the allied rules and regulations notified thereunder and for  no other purpose; 

(b) authenticate Your Aadhaar through one-time password or Biometric or  XML Flow for authenticating Your identity through the Aadhaar  Authentication system for obtaining Your e-KYC through Aadhaar based  e-KYC services of UIDAI and use Your photo and demographic details  (Name, Gender, Date of Birth and Address) for KYC proof, in connection  with the Loan Agreement and the Mandate and for no other use / purpose; 

7.6. You agree that the Lending Partner may avail services from any third party to  conduct Aadhaar based KYC authentication i.e. authentication services  provided by UIDAI, where Your personal identity information /data that is  obtained from You and matched with the personal identity information/data  that is stored in the UIDAI’s central identity data repository in order to provide  Aadhaar enabled services to You; 

7.7. You agree that Lending Partner may receive and update credit reports from  any/all credit bureaus or any other agency/ regulatory authority as required  and as permitted under applicable law; 

7.8. CRIF High Mark – Credit Score Terms of Use

In connection with submission of the application for my credit information (“Consumer Credit Information”) offered by CRIF High Mark Credit Information Services Pvt. Ltd. (“CIC”) through Aspire Fintech Pvt. Ltd. (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following: 

A. The Company is my lawfully appointed agent, and he / it has agreed to be my agent obtain my Credit Information Report and Credit Score from CRIF High Mark Credit Information Services Pvt. Ltd (CRIF High Mark) for the purpose of credit assessment and not for any other purposes.

B. This consent shall be valid for a maximum period of 6 months or till such time the credit information is required to be retained to satisfy the purpose for which it was intended, or I withdraw my consent at any time, by informing the same to the Company, at their registered office address, website, assigned email id or mobile application, whichever is earlier.

C. I further authorize the Company to share with CICs, my personal information/details to procure my Credit Information on a monthly frequency and use the same to provide me with the said service (“Purpose”).

D. I confirm that this consent is given by my free will and not due to any solicitation by any person/entity.

E. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit Information to the Company on my behalf. 

F. I shall not hold CIC  responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information  to the Company; (b) any use, modification or disclosure by the Company  of the contents, in whole or in part, of my Consumer Credit Information, wherever authorized by me; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information  to the Company; 

G. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information   or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.

H. I agree that I may be required to record my consent / provide instructions electronically or physically as the case may be, and in all such cases I understand that by clicking on the “I Accept” button below or signing this Consent physically, I am providing “written instructions” to the Company authorizing Company to obtain my Consumer Credit Information from my personal credit profile from CRIF High Mark. I further authorize the Company to obtain such information solely to confirm my identity and display my Consumer Credit Information to me.  Further in all such cases by checking this box and clicking on the Authorize button or signing this Consent physically, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit Information.

I. I understand that in order to deliver the product to me, I hereby authorize the Company to obtain my Consumer Credit Information from CIC.

J. By submitting this registration form, I understand that I am providing express written instructions for the Company to request and receive a copy of my consumer credit report and score from CIC.

K. I understand that the product is provided on an “as-is”, “as available” basis and CIC expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.

L. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge CIC, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information   and / or my decision to provide CIC with the authority to deliver my Consumer Credit Information  to the Company. I agree to defend, indemnify, and hold harmless the Releasee from and against any and all losses resulting from claims made against CIC by third parties arising from and in connection with this letter.

M. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. 


7.9 Consumer Consent for accessing Consumer Credit Information Report (CIR) 

You hereby appoint Aspire Fintech Private Limited as the lawful agent to receive your credit report/credit history (“Credit Information”) from Credit Information Companies (“CICs”).

You  further authorize the Company to share with CICs, your personal information/details to procure your Credit Information on a monthly frequency and use the same to provide you with credit report access services (“Purpose”). 

You understand and acknowledge that the CIC shall not be liable under law or equity, in any manner whatsoever, for providing your Credit Information to the Company and you will not raise any claim or objections against the CIC. 

You confirm that this consent is given by your free will and not due to any solicitation by any person/entity. 

This consent/authorization shall be valid for (i) a maximum period of 06 (six) months, from the date of giving the same, (ii) satisfying the Purpose or (iii) until you withdraw your consent at any time, by informing the same to the Company, at their registered office address, website, assigned email id or mobile application, whichever is earlier.

7.10. You undertake not to host, display, upload, modify, publish, transmit, store,  update or share any information that: 

(a) belongs to another person and to which You do not have any right; (b) is obscene, pornographic, paedophilic, invasive of another’s privacy,  including bodily privacy, insulting, or harassing on the basis of gender,  racially, or ethnically objectionable, relating or encouraging money  laundering or gambling, or promoting enmity between different groups on  the grounds of religion or caste with the intent to incite violence; 

(c) is harmful to child; 

(d) infringes any patent, trademark, copyright, or other proprietary rights; (e) deceives or misleads the addressee about the origin of the message or  knowingly and intentionally communicates any misinformation or  information which is patently false and untrue or misleading in nature; (f) impersonates another person; 

(g) threatens the unity, integrity, defence, security or sovereignty of India,  friendly relations with foreign States, or public order, or causes incitement  to the commission of any cognisable offence or prevents investigation of  any offence, or is insulting other nation; 

(h) contains software virus or any other computer code, file or program  designed to interrupt, destroy, or limit the functionality of any computer  resource; 

(i) violates any law for the time being in force; 

(j) disrupt or interfere with the security of, or otherwise cause harm to, the  Platform, systems resources, accounts, passwords, servers, or networks  connected to or accessible through the Platform or any affiliated or linked  sites; 

(k) violate the Terms contained herein or elsewhere; and 

(l) reverse engineer, modify, copy, distribute, transmit, display, perform,  reproduce, publish, license, create derivative works from, transfer, or sell  any information or software obtained from the Platform. 

7.11. You shall solely be responsible for maintaining the necessary computer  equipment and internet connections that may be required to access, use, and  transact on the Platform. 

7.12. By availing the loan from the Lending Partner under these terms and conditions,  You acknowledge that the Lending Partner may use Your data or information in  connection with the loan, including without limitation for the processing of the  loan application. In this regard, the User agrees and consent to the Lending  Partner sharing the information or data pertaining to the User with any third party which is involved in the processing of the application, or use of the loan  facility etc. 

  1. Intellectual Property Rights: 

8.1. The Platform and the processes, and their selection and arrangement, including  but not limited to, all text, videos, graphics, user interfaces, visual interfaces,  sounds and music (if any), artwork and computer code (and any combinations  thereof) (collectively, the “Content”) on the Platform is owned by Aspire and the  design, structure, selection, coordination, expression, look and feel and  arrangement of such Content is protected by copyright, patent and trademark  laws, and various other intellectual property rights. 

8.2. The trademarks, logos and service marks displayed on the Platform (“Marks”)  are the property of Aspire or other respective third parties, as the case may be.  You are not permitted to reproduce or distribute or otherwise use the Marks  without the prior consent of Aspire or the third party that may own the Marks. 

8.3. Aspire shall not at any point of time hold any right, title, or interest in and to the  intellectual property rights arising out of or associated with the Services availed by the Users. 

  1. Disclaimers of Warranties & Liability 

9.1. You expressly understand and agree that, to the maximum extent permitted by  applicable law: 

(a) the Platform and other Content are provided by Aspire on an “as is” basis  without warranty of any kind, express, implied, statutory, or otherwise,  including the implied warranties of title, non-infringement,  merchantability, or fitness for a particular purpose. Without limiting the  foregoing, Aspire makes no warranty that the Platform or Services will  meet Your requirements, or Your use of the Platform will be uninterrupted,  timely, secure, or error-free. No advice or information, whether oral or  written, obtained by You from Aspire shall create any warranty not  expressly stated in the Terms; 

(b) Aspire has endeavoured to ensure that all the information on the Platform  is correct and up to date based on inputs received by Aspire from the  concerned Lending Partners, however, Aspire neither warrants nor makes  any representations regarding the correctness or completeness of any  data (including forms and applicable laws or change in law) or  information regarding any other Services provided on the Platform; 

(c) Aspire shall not be responsible for the delay or inability to use the Platform  or related functionalities, the provision of or failure to provide  functionalities, or for any information, software, functionalities, and related  graphics obtained through the Platform, or otherwise arising out of the use  of the Platform, whether based on contract, tort, negligence, strict liability  or otherwise. Further, Aspire shall not be held responsible for non 

availability of the Platform during periodic maintenance operations or any  unplanned suspension of access to the Platform that may occur due to  technical reasons or for any reason beyond Aspire’s reasonable control;

(d) Aspire shall not be responsible for any delay or inability to use of any third  party websites or hyperlinks provided on the Platform or for delay or  inability to access services by the websites of concerned Lending Partners  for the purpose of You availing the Facility or for any other purpose; 

(e) The relevant Lending Partner with whom you have entered into a Loan  Agreement is solely responsible for executing such Loan Agreement, as  applicable to You; 

(f) While Aspire shall endeavour to provide a real time status of the loan  facilitated through the Platform, Aspire is not responsible for any error or  omission which may arise due to reasons beyond the reasonable control  of Aspire; 

  1. Violation of the Terms 

10.1. You agree that any violation by You of these Terms will constitute an unlawful  and unfair business practice, and will cause irreparable harm to Aspire, for  which monetary damages would be inadequate, and You consent to Aspire  obtaining any injunctive or equitable relief that they deem necessary or  appropriate in such circumstances. These remedies are in addition to any other  remedies that Aspire may have at law or in equity. 

  1. Suspension and Termination 

11.1. The Terms will continue to apply until terminated by either You or Aspire as set  forth below. If You object to the Terms or are dissatisfied with the Platform, You  may (i) close Your Account on the Platform; and/or (ii) stop accessing the  Platform; 

11.2. Aspire may delist You or block Your future access to the Platform or suspend or  terminate Your Account if it believes, in its sole and absolute discretion that You  have violated any term of these Terms or the Privacy Policy or in any way  otherwise acted unethically. Notwithstanding anything in this Clause, all terms  which by their nature are intended to survive such termination, will survive  indefinitely unless and until Aspire chooses to terminate them. 

  1. Governing Law and Jurisdiction: 

12.1. These Terms shall be governed by and constructed in accordance with the laws  of India without reference to conflict of laws principles and disputes arising in  relation hereto shall be subject to the exclusive jurisdiction of courts at  Bengaluru, India. 

  1. Grievance Redressal Mechanism 

13.1. Grievance Handling: If You have any grievances, or complaints or concerns with  respect to the Platform, the Content, or the Services, You can contact the  designated Nodal Grievance Officer of Aspire, namely, Mr. Manoj Kumar Rathi, at  compliance@letsaspire.in 

13.2. The Nodal Grievance Officer of Aspire shall acknowledge the User grievances or  complaints or concerns with respect to the Platform, the Content, or the Services,  within 24 (twenty four) hours of receipt of the same and shall endeavour to redresses the same at the earliest and in no event later than 15 (fifteen) days of receipt of such User grievance. By lodging a complaint or grievance, You agree  to provide complete support to the Nodal Grievance Officer and such  reasonable information as may be sought by them from You. 

13.3. Aspire shall not be responsible to redress grievances of Users with regard to any  of the services provided by the concerned Lending Partners whether the Facility  is availed directly through the Platform or not. 

  1. Communications: 

14.1. You hereby expressly agree to receive communications by way of SMS,  telephone calls, WhatsApp /or e-mails from Aspire and other third parties duly  authorised by Aspire. You hereby expressly consent to the monitoring and  recording, by Aspire of any and all communications between You and Aspire or  its agents, employees, consultants, contractors, or representatives of Aspire or  of their authorised partners, and such monitoring or recording waives any  further notice or consent requirement under the applicable laws. 

14.2. You can unsubscribe or opt-out from receiving communications through SMS  and e-mail from Aspire. In which case, Aspire will only send You  communications solely required for the purposes of the Services provided  through the Platform. 

  1. General Provisions 

15.1. Notice: All notices from Aspire will be served by email to Your registered email  address or by general notification on the Platform. 

15.2. Assignment: You cannot assign or otherwise transfer the Terms, or any rights  granted hereunder to any third party. Aspire’s rights under the Terms are freely  transferable by Aspire to any third party without the requirement of seeking Your  consent. 

15.3. Severability: If, for any reason, a court of competent jurisdiction finds any  provision of the Terms, or any portion thereof, to be unenforceable, that  provision shall be enforced to the maximum extent permissible so as to give  effect to the intent of the parties as reflected by that provision, and the  remainder of the Terms shall continue in full force and effect. 

15.4. Force Majeure: Aspire and/or the Platform shall not be liable to You for its failure  to perform or for delay in providing You access to Your Account or to the  Platform or any Services thereof, to the extent such failure or delay results from  causes beyond its reasonable control, including, without limitation, acts of God,  fires, explosions, wars or other hostilities, insurrections, revolutions, strikes, labour  unrest, earthquakes, floods, pandemic, epidemics or regulatory or quarantine  restrictions, unforeseeable governmental restrictions or controls or a failure by  a third party hosting provider or internet service provider or on account of any  change or defect in the software and/or hardware of Your computer system. 

  1. IP Infringement 

16.1. If You believe the Platform violates Your intellectual property, You must promptly  notify Aspire in writing at compliance@letsaspire.in These notifications should only be submitted by the owner of the intellectual property, or an agent  authorized to act on his/her behalf. However, any false claim by You may result  in the termination of Your access to the Platform. You are required to provide the  following details in Your notice: 

(a) the intellectual property that You believe is being infringed; (b) the item that You think is infringing and include sufficient information  about where the material is located on the Platform; 

(c) a statement that You believe in good faith that the item You have  identified as infringing is not authorized by the intellectual property owner,  its agent, or the law to be used in connection with the Platform;  

(d) Your contact details, such as Your address, telephone number, and/or  email;  

(e) a statement that the information You provided in Your notice is accurate,  and that You are the intellectual property owner, or an agent authorized  to act on behalf of the intellectual property owner whose intellectual  property is being infringed; and  

(f) Your physical or electronic signature