Terms & Conditions

Introduction

The website www.Izzpay.com and mobile application (collectively the “Platform”) and the information, services and other materials contained therein are provided and operated by Entritt Solutions Private Limited (referred to as “we”, “us” or “Izzpay”). Izzpay offers online admissions for school, college, university, training institutes or for any educational institutions having online, offline courses curated and specially designed education and industry relevant diploma, trainings, exams related information and certification
Program/Courses/Courses (“Program/Courses/Courses”). Izzpay also offers online payment and study finance services through its associated Partner or third-party service providers. Please review our Terms of Use, Privacy Policy and other policies available on the Platform (collectively the “Terms”) that govern the use of the Platform and
Program/Courses/Courses. Each Program/Course may have a separate set of terms dealing with refunds, deferrals, payments etc. governing such Program/Course and our corporate clients may have executed separate written agreements with us, which, in the event of a conflict, will supersede these Terms to the extent of the conflicting provisions. These Terms shall apply to Izzpay hosted mobile apps, WhatsApp groups, Facebook groups, Instagram pages, Facebook pages, email/SMS/phone communications and other social media forums hosted by Izzpay which shall be deemed to be part of the ‘Platform’ by reference. You acknowledge that certain parts of the Platform, as mentioned above, are provided by third party service providers, and you agree to abide by their terms and conditions. Izzpay shall not be responsible for any disruption of services caused by such third-party service providers. Please note that the use of the Platform and Program/Courses/Courses constitutes an unconditional agreement to follow and be bound by the Terms. Although you may “bookmark” a particular portion of the Platform and thereby bypass these Terms, your use of the Platform still binds you to these Terms. We may change these Terms from time to time without prior notice. You should review this page regularly. Your continued use of the Platform and Program/Courses/Courses after changes have been made will be taken to indicate that you have read and accepted those changes. You should not use the Platform or Program/Courses/Courses if you are not happy with any changes to these Terms. Izzpay makes no representations that the Platform operates (or are legally permitted to operate) in all geographic areas, or that the Platform, or information, services or products offered through the Platform are appropriate or available for use in other locations. Accessing the Platform from territories where the Platform, or any content or functionality of the Platform or portions thereof is illegal, is expressly prohibited. If you choose to access the Platform, you agree and acknowledge that you do so on your own initiative and at your own risk and that you are solely responsible for compliance with all applicable laws.

User Conduct Policy

Whether you have enrolled for a Program/Course or simply browsing the Platform, once you have accessed the Platform or Program/Courses/Courses, you shall be considered a ‘user’ for the purpose of these Terms. You are responsible for all your activities in connection with the use of the Platform and Program/Courses/Courses. You hereby agree to fully comply with all applicable local, provincial, state, national and foreign laws, treaties and regulations in connection with such use. You shall not resort to any unethical practices while using the Platform. Without limitation, you will not post or transmit, or cause to be posted or transmitted, any communication or solicitation or other “phishing”, “pharming” or “whaling” message designed or intended to obtain password, account, personal information, confidential information or private information from any user of the Platform or any other third party whatsoever. However, if any such event does take place, Izzpay shall not be liable for any loss in data or if the user’s device, computer or any other property is compromised in any manner. You acknowledge and agree that Izzpay has the right to report any and all suspicious or illegal activity to the appropriate legal or police authorities without notice to you. During your use of the Platform and Program/Courses/Courses, you will not:

  • harass other users, Student/Applicants, attendees, support agents or visitors;
  • cheat on any homework assignment or exams for the Program/Course;
  • will not post online any secured testing materials;
  • will not share solutions to homework assignments or exams;
  • will notify the instructors immediately if you become aware of any other user cheating or breaching these Terms, and will comply with the requirements of the specific applicable code of conduct, if any, relating directly to a Program/Course in which such user is enrolled.

User Accounts, User Registration and Delivery of Services

In order to participate in most Platform activities and to apply for a Program/Course, you will need to register for a personal account (“User Account”) by providing an email address and a password that is unique. Upon payment of the Program/Course fees – in part or whole depending on the Program/Course, Izzpay shall deliver the terms of use of the Program/Course and will grant you access to the Program/Course. The invoice may be provided to you along with the email confirmation or within two (2) months thereafter. This shall be proof of delivery against the successful payment of fees. Owing to certain exceptional circumstances, if Izzpay has granted you access to a Program/Course pending payment, and Izzpay does not receive payments within the stipulated time periods, Izzpay may, at it owns discretion withdraw your access to the Program/Course, without giving any prior notice. You agree that you will never divulge or share access to your User Account, with any third party for any reason. You also agree that you will create, use, and/or access only one User Account and that you will not use any User Account other than your own. In setting up your User Account, you may be prompted or required to enter additional information, including but not limited to your name and email address. Additional information may be required to confirm your identity. You understand and agree that all information provided by you is accurate, current and complete and that you will maintain and update your information to keep it accurate, current and complete. You acknowledge that if any information provided by you is untrue, inaccurate, not current or incomplete, we reserve the right to terminate your use of the Platform and your enrolment in a Program/Course, to the extent applicable. In addition to the registration process, as part of your use of the Platform or participation in the Program/Courses/Courses, we may obtain certain information about you and your performance in the Program/Courses/Courses. Some of this information may be personally identifiable information. We may use, maintain, and store this information to provide certain services to you now and in the future and may share such information with our Educational Partners or third parties in conjunction with such services or for the purpose of marketing. For example, as further detailed in our Privacy Policy, we may share certain materials or information about you with third parties, including your grades/scores in our classes. Access to the Program/Courses/Courses is restricted to attendees or Student/Applicants that have specifically been granted access by Izzpay. By registering your User Account, you agree that:

  • You are registered for the Program/Course only once and will not set up multiple User Accounts; and
  • You will abide by these Terms and any terms specific to the Program/Course.

Additional requirements apply to Student/Applicants. As a Student/Applicant, in addition to the points above, you agree that you are registering with the intent to complete the assignments, if any, that are relevant and applicable to the Platform or Program/Courses/Courses for which you have enrolled.

Payment Terms & Refund Policy

Unless otherwise expressly agreed in writing by Izzpay, full payment for participation in a Program/Course is required at the time of registration. In case of Program/Courses/Courses that include a trial window/grace period / refund time duration, such trial window/grace period / refund time duration shall be made available only after full payment. During the trial window/grace period / refund time duration, upon a request of the Student/Applicant, and to the satisfaction of Izzpay, Izzpay may choose to refund the Program/Course Fees paid, subject to such charges as may be decided from time to time. Once the trial window/grace period / refund time duration has concluded, there will be no refund allowed for any reason whatsoever. It is the sole responsibility of the user enrolling for a Program/Course to check the accuracy of, and evaluate the suitability and relevance of, the Program/Course elected. The enrolment to a Program/Course is non-transferable. To make payment for any Program/Course or to purchase any services or products offered by Izzpay through the Platform, you must have internet access and a current valid accepted payment method as indicated during sign-up (“Payment Method”). Izzpay does not store any of your credit card information or such other information restricted by RBI for processing payment, and has partnered with payment gateways and NBFC or Loan Issuing Authority( third-party payment provider) for the payment towards the services. By using a third-party payment provider, you agree to abide by the terms of such payment provider. You agree that in case Izzpay’s third-party payment provider stores any such information, Izzpay will not be responsible for such storage, and it will be solely at your discretion to allow the third party to store such information. Any loss of such information or any loss incurred by you due to usage of such information will be solely a loss incurred by you, and Izzpay is in no ways liable for any such losses, and is neither responsible to reimburse / make good such losses in any manner whatsoever. You also agree to pay the applicable fees for the payments made through the Platform. Failure to pay may result in withdrawal of your access to a Program/Course. Depending on where you transact with us, the type of payment method used and where your payment method was issued, your transaction with us may be subject to foreign exchange fees or exchange rates. Izzpay does not support all payment methods, currencies or locations for payment. All applicable taxes are calculated based on the billing information you provide us at the time of enrollment/purchase. We do not provide refunds for lack of usage or dissatisfaction. If you have subscribed for a free trial, the free trial period will last for the period of time specified during your sign-up. Free trials may not be combined with certain other offers. If you have subscribed to a particular paid service or product within the last six (6) months, or if your Payment Method, physical address or email address has been associated with an account for that paid service, you are not eligible to receive a free trial for that service or product. If you begin your subscription with a free trial, you may be ineligible for certain features of a product or service during your free trial period.

Use of Program/Courses/Courses

Izzpay reserves the right to cancel or reschedule any Program/Course or live lectures/webinars, or to alter, modify or rearrange the schedule of topics, as well as the point value or weight of assignments, tests, quizzes, exams, projects and other such evaluations of progress. You also understand that Izzpay, at its sole discretion, may limit, suspend, or terminate your use of the Platform or Program/Courses/Courses and/or all Izzpay-provided services related to the Program/Courses/Courses, such as access to Izzpay associated partners , educational institutions or support services, evaluation services, or certifications. You also understand that Izzpay may modify or discontinue all services related to its Program/Courses/Courses/fee at its sole discretion. You agree that Izzpay shall not be liable to you or to any third party for any such modification, suspension or discontinuance. Nothing in these Terms shall be construed to obligate Izzpay to maintain and support the Platform or Program/Courses/Courses or any part or portion thereof or any associated services. If you no longer wish to use any Program/Course, you may terminate your participation by giving notice to Izzpay and to associated Educational Institution or associated partner where you have opted the course/program. Refund policy is subject to Educational Institution or associated partner refund policies . Nothing in these Terms shall be construed to obligate Izzpay to maintain and support the Platforms, Program/Courses/Courses or any part or portion thereof. Participants of Izzpay online live lectures and webinars shall be provided access to such classes via email. You agree not to share such access with any third party. If you are unable to attend an online live lecture/webinar, please provide Izzpay with prior intimation. You shall be exclusively responsible for obtaining and maintaining any equipment or ancillary services needed to connect to, access, receive or use the Platform, including, without limitation, hardware devices, software, and other internet, wireless, broadband, phone or other mobile communication device connection services. You shall be exclusively responsible for ensuring that such equipment or ancillary services are compatible with the Platform and shall be responsible for all charges incurred in connection with use of the Platform and Program/Course in connection with all such equipment and ancillary services.

Educational Partners & Accreditation

Izzpay is NOT a University, NOT an educational institution , Not a Payment gateway, Not a Insurance company nor NBFC, but an education service provider through its technology platform, offering Program/Courses/Courses / information/ payment gateway services , Instant Study Loan, Secure Study membership in consultation with Indian and International universities, educational institutions, governmental authorities, NGO’s, corporates etc. (each an “Educational Partner” “ educational institution” “ associate partner”). Admission to the degree/diploma Program/Courses/Courses of an Educational Partner is separate from being accepted into and/or taking one or more Program/Courses/Courses. You agree and acknowledge that nothing in these Terms or otherwise with respect to the use of the Platform or any Program/Course (a) enrolls or registers you in an Educational Partner, or any other school, division, institute or Program/Course of or associated with an Educational Partner, (b) allows you to access or use the resources or receive any benefits or privileges of any Educational Partner, beyond the Program/Courses/Courses. Izzpay may offer a credential or other acknowledgment for participants who have satisfactorily demonstrated mastery of the Program/Course material. The decision to award any such credential acknowledgment to a given participant will be solely within the discretion of Izzpay. Izzpay may choose not to offer any credential or other acknowledgment for some Program/Courses/Courses. It may decide at its sole discretion whether to provide a record concerning a participant’s performance in a Program/Course. The format of any credential or other acknowledgement, and of any performance, provided by Izzpay relating to Program/Courses/Courses will be determined by Izzpay in its sole discretion and may vary from Program/Course to Program/Course. You may be awarded a certificate of accomplishment upon successful completion of a Program/Course (“Program/Course Certificate”), at the discretion of Izzpay and its Educational Partners, and you acknowledge that any such Program/Course Certificate awarded may not be affiliated with any Educational Partner, and may not stand in the place of a course taken with an Educational Partner or convey academic credit or certification for any Educational Partner. You will not receive academic credit from Izzpay or any other Educational Partner for taking a Program/Course. If you are taking a Program/Course for academic credit or certification as a Student/Applicant of, or otherwise through, an Educational Partner, any such credit or certification may only be awarded directly by the Educational Partner based on its own policies and procedures, and you may be required by that Educational Partner to be registered or enrolled with the Educational Partner in order to receive credit or certification; and, in any event, Izzpay will not have any authority or responsibility with respect to any award of academic credit or certification provided by an Educational Partner for a Program/Course. You acknowledge and agree that any Program/Course affiliated with an Educational Partner may be subject to terms, policies and procedures of the applicable Educational Partner in addition to Izzpay’s Terms. Without limiting the foregoing, if you are a Student/Applicant registered or enrolled at, or are otherwise attending, an Educational Partner and are taking a Program/Course for credit or certification through that Educational Partner, you acknowledge and agree that (a) the Educational Partner may have its own terms, policies or procedures regarding your eligibility to participate in the Program/Course, your participation in the Program/Course, the requirements or prerequisites for receiving credit or certification for the Program/Course, and/or your educational or Student/Applicant records as they may relate to your participation and performance in the Program/Course, and (b) your educational or Student/Applicant records are maintained by the Educational Partner, including for purposes of assigning credit or certification, and not Izzpay.

Services Offering by Izzpay & its Process

Izzpay offers following services through its technology platform.

1. Instant Study Loan -(No Cost EMI)-

Izzpay offers technology platform to assist the applicants/Parents/User in getting Instant Study Loan upto 3, 00,000 from Loan Issuing Authority/NBFC to students/Applicants with minimum documentation–(Aadhar card and pan card of Parent/user) and facilitates the loan fee disbursement to Educational institution or applicant after deduction of processing fee i.e. upto 15% of loan amount. Student/Parent/User/Applicants will pay back the EMI’s to loan issuing Partner/NBFC without any interest in Easy EMI’s in next 9 months.

Step to avail:-
Student/Parent need to register on Izzpay register form https://www.Izzpay.com/login with his/her Mail Id, Mobile number, other details like Aadhar card and pan card. Parent/Student /User who don’t have pan card or negative Cibil score will not be able to use the loan services through the Izzpay Platform. Student/Parent/User needs to select the institution and to select the course for which they want to pay fee or to opt services of Izzpay for Instant Study Loan & Accommodation Loan. If Student /Parent User Select the Apply Loan then we will redirect it to our associated Loan Issuing Authority/NBFC. Student/Parent/User need to sign up to provide the details like Email Id, Mobile number, Aadhar Card Number, Pan Card to avail the Loan/Credit Limit. Loan Issuing Authority/NBFC will seek the access permission of their bank statement verification for the approval. Once user will do they will approve the loan/credit limit within 4 hours and maximum 24 hours. Then Student/Parent need to come back on the Course fee page of Izzpay and Select the fee amount payment through Apply Loan and click the payment option . On Successful Payment Izzpay will send the notification to Student/Parent/User on registered mail id on Izzpay for the payment details made . Same they can see into their User Dashboard of Izzpay in the Payment History.Settlement of loan fee will be done by Loan Disbursing authority within next 48 hours.Loan disbursing authority will settle the Loan Settlement Amount into Institution Account after deducting the Loan Processing Fee.

Example: -
If Student/Parent/ User make the Course fee payment of 1, 00,000 then settlement into institution or into applicant account will be 85,000 after deducting the Loan Processing Fee (15% of Loan Amount). Student/Parent/User need to pay back this loan amount of Rs 1,00,000 in easy EMI’s in next 9 months without any interest.

Instant Study Loan -(Standard EMI)- Izzpay offers technology platform to assist the applicants/Parents/User in getting Instant Study Loan upto 3, 00,000 from Loan Issuing Authority/NBFC to students/Applicants with minimum documentation–(Aadhar card and pan card of Parent/user) and facilitates the loan fee disbursement to Educational institution or applicant after deduction of processing fee i.e. upto 5% of loan amount + standard rate of interest up to 18%.Student/Parent/User/Applicants will pay back the EMI’s to loan issuing Partner/NBFC with interest in Easy EMI’s.

2.Secure Study Membership –

Izzpay through its technology platform offers Secure Study Membership to Students who take admission into its associated Institutions. Secure membership starts from INR 999 to INR 1,999 Yearly . Secure Study membership help students to get their study continue in case of any financial crisis or any mishap in the family with earning member. Student will also get the health coverage * during the hospitalization of above 24 hours and can avail once in a year of subscription. Student/Parent will also get discounts on making online fee payment or any other payment on Izzpay Platform like accommodation booking, food, travel & lifestyle.

Note: - (Insurance Plans. Premium, claim settlements and Subscription is subject to the term & conditions set up by Izzpay and insurance company).

Step to avail:-Student/User can avail the Subscription by simply applying it online on Izzpay during admission or after admission. It is available for both existing and New Students into Izzpay associated Institute.

3. Online Admission , course Selling & Cashback Offers-

Izzpay through its technology platform offers Cash back to its User - Student who take admission through loan into Izzpay associated Institutions or who have opted the secure study membership. This cash back they can use to avail fee discount or fee payment or another offer on Izzpay or of its associates.

Step to avail:-Student/User can avail the cash back while taking the new admission online through Izzpay technology Platform into its Associated Institutions. Cashback is subject to fee amount paid through Izzpay technology platform and maximum will be upto 10% of the fee Paid.

Steps to note: -

Refund Policy

  • For newly registered Institution and Students; Izzpay through its technology platform are offering loan upto 3, 00,000.
  • No Cancellation/Refund request will be entertained directly by Izzpay or loan issuing authority from user/Parent/applicant after the loan disbursement into particular Institution. However if Institute set or follow any guidelines for refund policy /cancellation as per their governing body norms then they can refund amount directly to Loan settlement authority with intimation to Izzpay through mail or by written communication.
  • While offering Loan services by Institutions to student/parent/user through Izzpay technology Platform , Institution need to mention in their admission form, website or any sort of agreement with students ; that they only get the refund amount of settlement amount made by loan disbursing authority against the loan amount opt by them . And Parent/User /Student are liable to pay the Outstanding /remaining Amount after the refund amount received from the Institution to loan disbursing authority and after the deduction of service charges+ Processing fee taken by Izzpay from loan disbursing authority and 1% penalty of the total loan amount disbursed by the loan issuing authority through the loan disburser .
  • Institution will inform the Refund and cancellation Request to Izzpay within 24 hours from the request date and time made by Student/User /Parent who took Loan services through Izzpay Platform.
  • On approving the refund /cancellation request Institution has to refund the balance loan settled amount to loan disbursing authority within next bank working 48 hours from the approval date and time. Failure so may led to penalty. While Loan issuing authority will update it against the user account in next 96 bank working hours from the date and time of settlement amount made by the Institution.
  • User/Parent/student will pay the EMI to Loan issuing authority only.
  • Refund will be settling from Institutions to Loan Disbursing Authority and loan disbursing authority will transfer it to Loan Issuing Authority.
  • Aadhar Card of Parent/User is mainly Use to verify the Identity of User and Pan card is required for the Loan Approval.
  • Loan Approval is always subject to Credit Eligibility criteria check by Loan issuing authority/NBFC. Time for loan approval is 4 hours to 24 hours( Maximum). All this process is online process but in case of any exception cases we need to take bank statement of minimum 6 months from user/parent who don’t have net banking access. Even a non smart phone user can also apply the Instant Study loan through Izzpay web application.

Loan Approval depends on the several factors and consideration, subject to credit limit approval, which are given as below: - One must be Salaried Class Employee with Minimum 15,000* salary per month for the loan approval of upto 40,000*. For Person with Salaries /income range from 35,000* to 40,000*per month, loan approval will be upto 1, 00,000*. For Age with minimum 21 to 35 years and he/she may or may not have credit score history can get loan approval upto INR 1,00,000* and it includes the other credit eligibility check set by loan disbursing partner /lender. For Age between 35 to above he or she must have credit score history. But if they don’t have then in these exception cases loan approval will take upto 24 hours subject to credit eligibility check Other credit eligibility check set by loan disbursing partner /lender. For Business Class Parents/User loan approval will take upto 24 hours if they must have credit score history and else loan will not approve.

Credit card terms and conditions

This credit information terms and conditions (herein after referred to as “izzpay credit information terms and conditions”) please read the above mentioned terms and conditions and click on “accept” or “proceed” or “submit” followed by the link below to complete the authorisation process for sharing of your credit information by credit bureaus with izzpay in its capacity as your authorised representative. By continuing you agree and accept the disclaimers and terms and conditions set out herein.

DefinitionsCapitalised terms used herein but not defined above shall have the following meanings:
“Business Day” means a day (other than a public holiday) on which banks are open for general business in Pune.
"CICRA” shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed there under.
“Credit Information Report” means the credit information reports which shall be generated by the Credit Bureaus by using their tools, algorithms and devices including, but not limited to, the credit history, the credit behaviour of the Individual Consumer or any other information provided in such credit information report which is construed as “credit information” as defined under the credit information laws, as may be provided at the sole discretion of the Credit Bureaus;
“Credit Score” means the score which shall be set out in the Credit Information Report and the Credit Data Analysis Deliverables including such credit scores constituting ‘credit scoring’ as defined in the credit information laws, as may be provided at the sole discretion of the Credit Bureaus, by using theirtools, algorithms and devices;
“Credit Data Analysis Deliverables” means the Credit Score, inferences, rule sets in relation to the Credit Information of the Individual Consumer computed by the Credit Bureaus by using their tools, algorithms and devices including, but not limited to, the credit history, the credit behaviour of the Individual Consumer and any other information provided in such Credit Information Report and sent to the IZZPAY Platform, and, the Individual Consumer’s e-mail, with appropriate aggregations;
“Credit Bureaus”or such otherare agencies appointed by IZZPAY from time to time, which has obtained a certificate of from Reserve Bank of India (RBI) as required under CICRA.
“IZZPAY Platform” means the IZZPAY website located at IZZPAY.com, and all associated sites linked to IZZPAY.com, or the IZZPAY mobile application or any similar platform;
“Permitted Purpose” means use of the Credit Information being provided by the Credit Bureaus to IZZPAY in the capacity of your authorized representative for the purpose of providing you access to the said Credit Information and targeted offers and for the purpose of your ongoing assessment to provide you with personalized offers and products, pursuant to the your consent and Authorization. Unless otherwise specifically defined in these IZZPAY Credit Information Terms and Conditions, the capitalized words and expressions used in these IZZPAY Credit Information Terms and Conditions but not defined herein shall have the meaning assigned to them in the privacy policy, or the general terms and conditions as available on the IZZPAY website.

2. REGISTRATION AND AUTHENTICATION

You agree that by clicking on “Proceed” or “Submit” and by providing your details on IZZPAY Platform you have requested for availing the Service and have provided your unconditional and unequivocal consent for appointing ENTRITT SOLUTIONS PRIVATE LIMITED(“IZZPAY”) as your authorized representative for sharing your details provided by you on the IZZPAY Platform with the Credit Bureaus and obtaining your Credit Information from the Credit Bureaus for Permitted Purpose, as more particularly captured in these Credit Information Terms and Conditions (“Authorization”).
By appointing IZZPAY as your authorized representative you hereby unequivocally and unconditionally authorize IZZPAY to instruct the Credit Bureaus, their affiliates and suppliers, to obtain, receive and compile your Credit Information on your behalf and share the same with IZZPAY for the Permitted Purposes (hereinafter referred to as “Services”). You agree and accept that this service is being provided to help you better understand your Credit Information and to provide you with targeted/personalized offers for products and services from IZZPAY’s business partners. You hereby expressly grant unequivocal and unconditional consent to, and direct, the Credit Bureaus to deliver and/or transfer your Credit Information to IZZPAY on your behalf.
You hereby authorize IZZPAY to do all of the following in connection with providing you the Services: (i) verify your identity and share with the Credit Bureaus certain personal identifiable information about you; (ii) request and receive your Credit Information from the Credit Bureaus , including but not limited to a copy of your Credit Information Report, your Credit Score at any time or multiple times, notwithstanding no Request has been raised by you for the same, during a period of 05 (five) years starting from when these Credit Information Terms and Conditions are accepted by you, or, till your account with IZZPAY is de-activated either by yourself or by IZZPAY, or, till the time you make a request with IZZPAY to opt out of this Service, whichever is earlier; (iii) retain a copy of your Credit Information, along with the other information you have given IZZPAY access to under this Authorization, for use in accordance with these Credit Information Terms and Conditions. In this context, you agree that should you express your interest to avail any personalized offers, IZZPAY shall contact you through message, SMS or voice and the same shall not be regarded as unsolicited commercial communication. You further agree that IZZPAY may use and analyse your Credit Information and other details provided by you on the IZZPAY Platform to provide you with customized recommendations, general information and personalized offers of the products and services of IZZPAY and/or its business partners. IZZPAY may send you such offers via email, text or online display or other means of delivery in IZZPAY’s reasonable sole discretion.
You agree and hereby give your specific consent for the Authorization and the consent provided by you under these Credit Information Terms and Conditions to be shared by IZZPAY with The Credit Bureaus. You agree and acknowledge that the Services shall be provided to you in the manner consistent with the terms and conditions of the arrangement between IZZPAY and The Credit Bureaus. You agree that you shall be required to enter your details as requested by IZZPAY on the IZZPAY Platform at the time of Authorization and every time when you make a request for your Credit Information. You provide your unconditional and unequivocal consent to IZZPAY to share these details provided by you with The Credit Bureaus, for the purpose of providing you with the Services. You agree that your Credit Information may be requested by you on the IZZPAY Platform any time for a period of 05 (five) years starting from when these Credit Information Terms and Conditions are accepted by you, or, till your account with IZZPAY or this Service is de-activated either by IZZPAY or by yourself, or, till the time you make are request with IZZPAY to opt out of this Service, whichever is earlier. On completion of 05 (five) years, a written communication shall be sent to your registered email id and you shall have the option to opt-out/unsubscribe from this Service. You hereby agree that your Authorization shall be contiguous with your account with IZZPAY, which will enable IZZPAY to provide you with your Credit Information from time to time and the consent provided by you shall be valid as long as you have an active account with IZZPAY.

3. YOUR ACCOUNT

To avail the Service, you must be having a valid account with IZZPAY, or, must create a valid account with IZZPAY. By registering with IZZPAY, you agree and certify that:

  • A. You are 18 years of age or older
  • B. Any information you provide to us, both when you register and, in the future, is and will be true, accurate, current and complete
  • C. You are only registering an account for yourself and agree not to use, or, attempt to use, the Service to obtain/receive any Credit Information about any other person than you
  • D. You will keep all information up to date
  • E. You have registered on the IZZPAY Platform and have chosen to avail the Service voluntarily and at your free will for your own benefit and IZZPAY has not made any promises or representations to you in order to induce you to grant your consent or Authorization under these terms and conditions, including but not limited to, consent for sharing your personal identifiable information with the Credit Bureaus.

You agree and acknowledge that you are solely responsible for maintaining the confidentiality of your IZZPAY account, including but not limited to your login ID and password, your Credit Information and for restricting access to your device (“Device”) through which the IZZPAY Platform and/or your Credit Information can be accessed. It is your responsibility to protect your Device from any harmful and destructive software, programs, code including but not limited to viruses that could result in the breach of confidentiality of your IZZPAY account or your Credit Information. You agree to accept responsibility for all activities that occur under your account or password including any request from your account. You agree to notify IZZPAY immediately of any unauthorized use of your account or any other breach of security. IZZPAY reserves the right to refuse service, terminate accounts, in its sole discretion. Notwithstanding the above, IZZPAY retains the right at its sole discretion to deny access to anyone to the IZZPAY Platform and the Services that are offered on the IZZPAY Platform, at any time and for any reason, including, but not limited to, for violation of these Credit Information Terms and Conditions, or of the “IZZPAY Platform’s Terms & Conditions”, or, of the IZZPAY’s Privacy Policy, as appearing on the IZZPAY website. You agree and acknowledge that the terms and conditions of the Credit Bureaus shall also apply to your use of this Service.

Services

Through the Services, you may apply for the Loan, subject to the fulfillment of the eligibility criteria laid down in the Mobile App. You understand that the Company has been appointed by LENDER to collect, authenticate, track your location, verify and confirm the User Data, documents and details as may be required by LENDER to sanction the Loan. LENDER authorizes the Company to collect and store the User Data through the mobile application form ("Mobile Application Form") available on the Platform. In order to avail the Services, you are required to register with the Company by logging in through your Third Party Platforms ("User Account"). During the Application process, you shall be required to share and upload the User Data on the Mobile Application Form. User Data shall include personal information including but not limited to your name, e-mail address, gender, date of birth, mobile number, passwords, photograph, mobile phone information including contact numbers, SMS and browsing history, data and login-in credentials of Third Party Platforms, financial information such as bank documents, salary slips, bank statements, PAN card, bank account no., data from Credit Information Companies, data required for Know Your Customer compliances, requirement and other relevant details ("Personal Information"). You agree that the Personal Information shall always be accurate, correct and complete. As part of the Services, you authorize us to import your details and Personal Information dispersed over Third Party Platforms. You understand and acknowledge that we may periodically request for updates on such Personal Information and we may receive such updated information from Third Party Platforms.
All transactions undertaken on your behalf by the Company will be on the basis of your express instructions/consent and will be strictly on a non-discretionary basis. You also authorize the Company to get your credit information report from one or more Credit Information Companies as decided by the Company from time to time. Once you verify and upload the User Data and/or other documents and details in the Mobile Application Form, the Company shall process the same. Upon the completion of the document verification by the Company, the Loan may be sanctioned by LENDER to you, subject to fitting eligibility criteria and other conditions set forth by LENDER for sanctioning the Loan. Thereafter, you are required to fill and upload the ECS/NACH mandate form/Cheque or any other document as may be required by LENDER . The Company may collect the physical documents including signatures on those documents required for sanctioning and processing the Loan. Upon the collection of documents by the Company, LENDER shall disburse the Loan subject to the terms and conditions of the Loan Agreement.
The sanctioned Loan shall be disbursed as per the mode provided in the Mobile Application Form. You are required to repay the Outstanding Amount(s) to LENDER, on the respective due date(s) mentioned in the Mobile Application Form.
You understand and acknowledge that the Company reserves the right to track your location ("Track") during the provision of Services, and also in the event that you stop, cease, discontinue to use or avail the Services, through deletion or uninstallation of Mobile App or otherwise, till the event that your obligations to pay the Outstanding Amount(s) to LENDER exist. Deletion, uninstallation, discontinuation of our Services, shall not release you from the responsibility, obligation and liability to repay the Outstanding Amount(s).
You understand and acknowledge that, you are solely responsible for the capability of the electronic devices and the internet connection, you chose to run the Platform. The Platform’s operation or the Services on your electronic device is subject to availability of hardware, software specifications, internet connection and other features and specifications, required from time to time.
The User Data provided during the registration is stored by the Company for your convenience. You are not required to log-in to your User Account, every time, to use or access the Platform. You understand and acknowledge that by accepting these Terms, you authorize us to Track, fetch and use the User Data, including but not limited to your Personal Information, for the purpose of authentication and any updates with regards to your credentials.

License

  • License to use the App:In order to use the Services, you are required to download and install the App. For this purpose, you represent and warrant that you are of the age of majority as per the applicable laws to which you are subject to and are competent to understand, enter into, and comply with these Terms. The Company grants you a limited, non-exclusive, non-transferable, non-sub-licensable and revocable right to download, install and use the App. The App. is licensed and not sold to you and shall only be used as per these Terms.
  • Scope of License:You may install, download, access or use the App through the Online Stores on/from mobile phones, tablets or any other electronic devices.
  • Maintenance & Support: You acknowledge that while the Company may, at its sole discretion, provide maintenance and support for the App from time to time, the Company shall have no specific obligation whatsoever to furnish such services to you.
  • Updates/Upgrades: We may launch new updates/upgrades for the App., you may subscribe to the same through the Online Stores. In the event, you choose not to update/upgrade the App, certain features or functionality shall not be accessible to you.

Restrictions

You agree not to:

  • Use the Platform or the Services for committing fraud, embezzlement, money laundering, or for any unlawful and/or illegal purposes;
  • To reproduce, duplicate, copy, sell, resell or exploit any portion of the app;
  • Upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable through the platform;
  • Use the platform to harm or injure any third party;
  • Impersonate any person or entity, on the Platform;
  • Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the App;
  • Upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  • Upload, post, email, transmit or otherwise make available on the Platform, any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
  • Upload, post, email, transmit or otherwise make available on the Platform, any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam", "chain letters," "pyramid schemes," or any other form of solicitation;
  • Upload, post, email, transmit or otherwise make available on the Platform, any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • Disrupt the normal flow of or otherwise act in a manner that negatively affects other user’s ability to engage in real time exchanges;
  • Interfere with or disrupt the Platform or servers or networks connected to the Platform, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;
  • Intentionally or unintentionally violate any applicable local, state, national or international laws and any regulations having the force of law.

Content Available

You acknowledge that the Company makes no representations or warranties about the material, data, and information, such as data files, text, facts and figures, computer software, code, audio files or other sounds, photographs, videos, or other images (collectively, the "Content") which you may have access to as part of the Services, or through your use of the Platform. Under no circumstances, shall the Company be liable in any way for any Content, including, but not limited to any infringing Content, any errors or omissions in Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, transmitted, linked from, or otherwise accessible through or made available via the Platform. The Content on the Platform should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other instrument or financial products / schemes of the Company (including its affiliates), unless expressly covered in these Terms.

Proprietary Rights of the Company

You understand, acknowledge and agree that the Company is the sole owner of all rights, title and interest, including any and all intellectual property rights in the Content, Platform, Services, logos, trade names, brand names, designs and any necessary software used in connection with the Platform.
There may be proprietary logos, service marks and trademarks found on the Platform whether owned/used by the Company or otherwise. By displaying them on the Platform, the Company is not granting you any license to utilize the proprietary logos, service marks, or trademarks. Any unauthorized use of the same may violate applicable intellectual property laws.
You understand and acknowledge that the Platform is owned by the Company. Nothing under these Terms shall be deemed to be a transfer in ownership, rights, title, from the Company to you or any third party, in the Platform. You are entitled to avail the Services offered by the Company during the validity of your registration with the Company.

Ancillary Services

You may get access to chat rooms, blogs, feedbacks, reviews and other features ("Ancillary Services") that are/may be offered from time to time on the Platform and may be operated by us or by a third party on our behalf. You shall not (nor cause any third party to) use these Ancillary Services to perform any illegal activities (including without limitation defaming, abusing, harassing, stalking, threatening, promoting racism, or otherwise violating the legal rights, such as rights of privacy, of others) or immoral activities, falsely stating or otherwise misrepresenting your affiliation with a person or entity. Additionally, the Platform may contain advice/opinions and statements of various professionals/ experts/ analysts, etc. the Company does not endorse the accuracy, reliability of any such advices/opinions/ and statements. You may rely on these, at your sole risk and cost. You shall be responsible for independently verifying and evaluating the accuracy, completeness, reliability and usefulness of any opinions, services, statements or other information provided on the Platform. All information or details provided on the Platform shall not be interpreted or relied upon as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters. The Company may, at its discretion, update, edit, alter and/or remove any information in whole or in part that may be available on the Platform and shall not be responsible or liable for any subsequent action or claim, resulting in any loss, damage and or liability. Nothing contained herein is to be construed as a recommendation to use any product or process, and the Company makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise.

Abbreviations

“Loan Issuing Authority”is hereby Called as Lender who is issuing the loan i.e NBFC

“Loan Disbursing Authority”is hereby called as disburser who is transferring the loan approved amount to Institution after deducting the processing fee i.e Razorpay

“ Loan Processing Fee /Processing Fee“ Fee taken by Izzpay on the loan amount.

“ Loan Amount “is the amount which Student/Parent/user will Opts through Izzpay portal for course fee or any other payment

“Loan Disburse Amount” is the amount disbursed by the Loan Issuing authority to loan disburser

“Loan Issuing Partner” is hereby called as Izzpay.

“Loan Settlement Amount /Settlement of Loan Fee“is the Amount, which Settled into the Institution account after deducting the Izzpay Processing fee from Loan Disburse amount .

“Refund Amount “ is the amount which Loan Issuing authority will get from Institutions against the loan Settled amount by loan disburser for the User after deducting the Services charge from loan disburse amount.

“Outstanding Amount-In Refund case “ is the amount which student need to pay to Loan Issuing authority after receiving of refund amount i.e. Outstanding Amount =1% of Penalty of Loan Amount Disburse + ( Loan Amount Disburse –Refund Amount)

“EMI”Installment Which Student/user/parent need to pay to loan Issuing authority

Izzpay’s Intellectual Property Rights

“Content” means any and all information and data which may include but not be limited to text, software, scripts, graphics, maps, photos, sounds, music, videos, logos, offers, advertisements, interactive features and other materials. The Platform, Program/Courses/Courses and related services are owned and operated by Izzpay and its licensors. All Content or other material available on the Platform or through the Program/Courses/Courses, including but not limited to on-line/live lectures, speeches, video lessons, quizzes, presentation materials, homework assignments, Program/Courseming assignments, Program/Courses/Courses, code, and other images, text, layouts, arrangements, displays, illustrations, documents, materials, audio and video clips, HTML and files (collectively “Izzpay Content”), are the property of Izzpay and/or its affiliates or licensors and are protected by copyright, patent and/or other proprietary intellectual property rights under India and foreign law. All software used on the Platform is the property of Izzpay and is protected by Indian and international copyright laws. Izzpay logos, trademarks and service marks which may appear on the Platform and in the Program/Course (“Izzpay Marks”), are the property of Entritt Solutions Private Limited and are protected under Indian and foreign laws. All other trademarks, service marks and logos used on the Platforms, Online Courses or Program/Courses/Courses, with or without attribution, are the trademarks, service marks or logos of their respective owners. In addition, elements of the Platforms are protected by trade dress and other Indian and international intellectual property laws and may not be copied, reproduced, downloaded or distributed in any way in whole or in part without the express written consent of Izzpay. As a condition of accessing the Platforms and/or using the Program/Courses/Courses, you agree not to (a) reproduce, duplicate, copy, sell, resell or exploit for any commercial purpose any Izzpay Content or any portion thereof, other than as expressly allowed under these Terms; (b) use the Izzpay Marks or the name, trademarks, service marks, or other materials of any Educational Partner in connection with, or to transmit, any unsolicited communications or emails or for any other unauthorized purpose. Please verify all Content prior to use. In the event you come across any Content which is incorrect, infringing, offensive, indecent or objectionable, please notify us immediately at address mentioned at the bottom of this page. Additionally, from time to time, Izzpay (or its third-party service providers on behalf of Izzpay) may request users to review Izzpay Content or beta test the Platform. The works derived from such activity shall remain the sole and exclusive property of Izzpay or its third-party service providers, as applicable.

Third Party Intellectual Property

Izzpay respects third party intellectual property rights and actively supports protection of all third party intellectual property including copyrights and trademarks (“IP”). It is our policy to expeditiously respond to clear notices of alleged IP infringement. If we receive proper notification of IP infringement, our response to such notices will include removing or disabling access to material claimed to be the subject of infringing activity. Izzpay shall not be held liable for the unauthorized use of any third-party IP, and the user that carries out such unauthorized use, or infringes any IP available on the Platform shall fully indemnify and hold Izzpay harmless against any and all claims that may arise as a result of such use. If you believe that your product or other work has been misrepresented or used in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide us with the following information:

  • an electronic or physical signature of the person authorized to act on behalf of the owner of the product, copyright or other intellectual property interest;
  • a description of the product, work or other intellectual property that you claim has been misrepresented or infringed;
  • a description of where the material that you claim is misrepresenting or infringing your product, work or other intellectual property is located on the Platform/ Program/Course;
  • your address, telephone number, and email address;
  • a statement by you that you have a good faith belief that the disputed use is not authorized by the owner of the product, work, copyright or intellectual property, or its agent, or applicable law; and
  • a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the product, work, copyright or intellectual property owner or authorized to act on such owner’s behalf.
  • For notices of disputes or claims of copyright or other intellectual property infringement, please connect with us at the address provided at the bottom of this page.

Limited License

The services on the Platform are licensed, not sold. In consideration for your agreement to these Terms, Izzpay grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Platform and Program/Courses/Courses, solely in accordance with the Terms. You may download or copy the portions of the Izzpay Content available on the Platform, for your own non-commercial and personal use only, provided that you maintain all copyright and other notices contained in such Izzpay Content. You may not copy, sell, re-sell, reproduce, publish, modify, transfer, retransmit, distribute, commercially exploit or create derivative works of Platforms, Program/Courses/Courses or any Izzpay Content. You may not reverse-engineer, decompile, disassemble or otherwise code for any software that may be used to operate the Platform or the Program/Courses/Courses. Notwithstanding the foregoing, certain reference documents, digital textbooks and articles may be made available to you with the permission of third parties, and use of that information is subject to certain rules and conditions, and you agree to abide by all such rules and conditions. You may not reverse-engineer, decompile, disassemble or otherwise access the source code for any software that may be used to operate the Platform or the Program/Courses/Courses. From time to time, Izzpay may include software, code, instructions, or other such information in the Izzpay Content for the Program/Courses/Courses; any such information is provided on an “as-is” basis for instructional purposes only and is subject to the ‘Disclaimer’ and ‘Limitation of Liability’ sections below and other terms herein. Any use of such information for commercial purposes is strictly prohibited. Izzpay and/or its affiliates and licensors reserve all rights not expressly granted herein to the Platforms, Izzpay Content, and Izzpay Marks. Without limiting the generality of the terms above, the following are types of uses that Izzpay expressly defines as falling outside of the definition of "non-commercial and personal use ":

  • the sale or rental of (i) any part of the Izzpay Content, (ii) any derivative works based at least in part on the Izzpay Content, or (iii) any collective work that includes any part of the Izzpay Content;
  • the sale of access or a link to any part of the Izzpay Content;
  • providing training, support, or editorial services that use or reference the Izzpay Content in exchange for a fee;
  • the use of Izzpay Content by a college, university, school, or other educational institution for instruction where tuition is charged;
  • the use of Izzpay Content by a for-profit corporation or non-profit entity for internal professional development or training; and
  • the use of Izzpay Content for display/ upload/ making available at a place that is accessible to general public in any manner, including but not limited to any social media sites, video download sites, torrents.

User Content

The Platform may provide you with the ability to upload forum posts, chat with other users and Izzpay’s counsellors, user discussions, profile pages, and other content and media for social interaction, or certain information and materials for use with the Program/Courses/Courses, e.g., questions, hypotheticals, examples, assignments, industry projects etc. (collectively, “User Content”). Izzpay does not claim ownership of any User Content you may submit or make available for inclusion on the Platform or Program/Courses/Courses. Accordingly, subject to the license granted to Izzpay above, the user will be the sole and exclusive owner of any and all rights, title and interest in and to the User Content. With respect to any User Content you submit via the Platform or Program/Courses/Courses or that is otherwise made available to Izzpay, you hereby grant Izzpay an irrevocable, worldwide, perpetual, royalty-free and non-exclusive license to use, distribute, reproduce, modify, adapt, publicly perform and publicly display such User Content on the Platforms or in the Program/Courses/Courses or otherwise exploit the User Content, with the right to sublicense such rights (to multiple tiers), for any purpose (including for any commercial purpose). Izzpay reserves the right to remove any User Content at any time and for any reason. To the extent that you provide any User Content, you represent and warrant that (a) you have all necessary rights, licenses and/or clearances to provide such User Content and permit Izzpay to use such User Content as provided above, (b) such User Content is accurate and reasonably complete, © as between you and Izzpay, you shall be responsible for the payment of any third party fees related to the provision and use of such User Content, and (d) such User Content does not and will not infringe or misappropriate any third party rights or constitute a fraudulent statement or misrepresentation or unfair business practices. Izzpay does not control the User Content posted through the Platform, including any messages, reviews or comments, and does not guarantee the accuracy, integrity or quality of such User Content. Under no circumstances Izzpay be liable in any way for any User Content, including any errors or omissions, or any loss or damage or defamation of any kind incurred as a result of your posting or use of any User Content. You are responsible for complying with all laws applicable to the User Content. You are prohibited from posting the following Content on the Platform:

  • Content that is fraudulent, indecent, or libelous or defames, harasses, discriminates against, harms or threatens others;
  • Content that discusses illegal activities, with the intent to commit them;
  • Content that infringes or misappropriates patent, trademark, trade secret, right of publicity, or other intellectual property rights of third parties;
  • Content that you do not have the right to disclose;
  • Profane, pornographic, obscene, indecent or unlawful Content;
  • Advertising or any form of commercial solicitation;
  • Content related to partisan political activities;
  • Content that contains intentionally inaccurate information or that is posted with the intent of misleading others;
  • viruses, Trojan horses, worms, time bombs, cancelbots, or other disabling devices or other harmful components intended to or that may damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or personal information;
  • that consists of any high volume, automated, or electronic means to access the Platform (including without limitation robots, spiders or scripts);
  • that violates the rights of other users of the Platform; or
  • that violates any applicable local, state, national or international law or otherwise advocates or encourages any illegal activity.

Platform Security

You are prohibited from violating or attempting to violate the security of the Platform or any other associate Platform of Izzpay, including, without limitation, (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; © attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Platform, overloading, “flooding,” “spamming,” “mailbombing” or “crashing;” (d) sending unsolicited email, including promotions and/or advertising of products or services; or (e) forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting. Violations of system or network security may result in civil or criminal liability. Izzpay will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Platform or any activity being conducted on the Platform. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Platform other than the search engine and search agents available from Izzpay on the Platform and other than generally available third-party web browsers (e.g., Google Chrome or Microsoft Explorer).

Disclaimer of Warranties:

The Platform and/or Program/Courses/Courses may contain typographical errors or inaccuracies and may not be complete or current. Izzpay therefore reserves the right to correct any errors, inaccuracies or omissions (including after an order has been submitted) and to change or update information at any time without prior notice. The Platform, Program/Courses/Courses, and any information or Izzpay Content are provided “as is” and “as available” basis with all faults. Izzpay makes no representations or warranties of any kind, whether express or implied, with respect to Izzpay Content or services available on or through this Platform and Program/Courses/Courses, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Izzpay makes no warranty that the services will meet the user’s requirements or that the services will be uninterrupted, timely, secure, or error free; nor does Izzpay make any warranty as to the results that may be obtained from the use of the services, or as to the accuracy or reliability of any information obtained through the services, or that any defects in the software will be corrected. The user understands and agrees that the Izzpay Content and all other information, data, or other material downloaded or otherwise obtained through or from the Platform or Program/Courses/Courses is obtained at the user’s own discretion and risk, and that the user will be solely responsible for any damage to the user, the user’s computer system, electronic device or any loss of data that results from the download of such material or data. No advice or information, whether oral or written, obtained by the user from Izzpay or through or from the services, shall create any warranty by Izzpay. In the event you find that the information provided on the Platform or Program/Courses/Courses is incorrect, or if you are the owner of any information or content, and wish that such information or content is not displayed on the Platform or Program/Courses/Courses, kindly notify us at the address provided at the bottom of the page.

You expressly understand and agree that:

your use of the Services and the Platform is at your sole risk. The Services and the Platform are provided on an "as is" and "as available" basis. The Company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. any material downloaded or otherwise obtained through the access or use of the Platform, is at your own discretion and risk and that you will be solely responsible for any damage to your computer system, electronic data or loss of data that results from the download of any such material. no advice or information, whether verbal or written, obtained by you from the Company, for the Services or through the Platform shall create any warranty not expressly stated in these Terms. The Services are intended for personal, non-commercial use. You shall be solely responsible for the use, misuse, improper usage of the Services and the Platform. The Company shall not be liable for any damages accruing out of the use of the Services which have not been expressly stipulated under these Terms. the Company makes no warranty, including implied warranty, and expressly disclaims any obligation, that: (a) the Contents are and will be complete, Exhaustive, accurate or suitable to your requirements; (b) The Platform or the Services will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Platform or Services will be accurate or reliable.

Limitation of Liability

Neither Izzpay nor any of its Educational Partners, affiliates, employees, directors, officers, agents, vendors or supplier shall be liable to you or any other person, whether in Tort, Contract, Strict Liability or otherwise, for any indirect, special, incidental or consequential losses or damages of any nature arising out of or in connection with the use or inability to use this Platform or Program/Courses/Courses, including, without limitation, damages for lost profits, loss of goodwill, loss of data, work stoppage, accuracy of search results, or computer / electronic device failure, virus or malfunction. In no event will Izzpay be liable for any damages in excess of Rupees 100 or, in the case of enrolled Student/Applicants, the fees paid by you in connection with your enrollment to a Program/Course.

Site Linking

The Platform may contain links to pages on other websites (“Linked Sites”), and those Linked Sites may contain Content or offer products and/or services for sale. Izzpay does not author, edit, control, or monitor these Linked Sites. You acknowledge and agree that (a) we have no responsibility for the accuracy or availability of information provided by Linked Sites, (b) we do not control or endorse the sponsors of such Linked Sites or the content, products, advertising, or other materials presented on such Linked Sites. and © you agree to the terms and conditions of the Linked Sites We may remove any Linked Sites from the Platform at any time with or without reason. Izzpay WILL NOT BE LIABLE FOR ANY TRANSACTIONS CONDUCTED BY YOU WITH THIRD PARTIES THROUGH THE LINKED SITES OR FOR ANY LIABILITY ARISING FROM THE REPRESENTATIONS OR INFORMATION PROVIDED ON SUCH LINKED SITES. We appreciate that Linked Sites may contain material in which the operator of the Linked Sites has intellectual property rights. We respect those rights and provide the links for information purposes only. The fact that we have linked to any Linked Site does not create or imply any relationship or partnership with the operator of such Linked Site. You may not establish a link to this Platform from any other website, application, intranet or extranet site without our prior written consent. If you wish to create links, you may contact us before doing so. In establishing links, you must not represent in any way, expressly or by implication, that you have received the endorsement, sponsorship or support of Izzpay, including its Educational Partners, respective employees, agents, directors, officers or shareholders.

Indemnity

You agree to indemnify and hold Izzpay and its Educational Partners harmless from any and all claims, liabilities, damages, losses and expenses, including reasonable attorneys’ fees and costs, relating to or arising out of (a) your use or attempted use of the Platforms or Program/Courses/Courses in violation of the Terms; (b) your violation of any law or rights of any third party; or © information or Content that you or others post or otherwise make available on the Platform or through any Program/Course, including without limitation any claim of infringement or misappropriation of intellectual property or other proprietary rights.

Termination of Rights

You agree that Izzpay, in its sole discretion, may deactivate your account or otherwise terminate your use of the Platform or enrollment to a Program/Course with or without reason, including, without limitation, if Izzpay believes that you have (a) breached the Terms; (b) infringed the intellectual property rights of a third party; © posted, uploaded or transmitted unauthorized Content on the Platform; or (d) violated or acted inconsistently with the letter or spirit of these Terms or any other applicable code of conduct. You agree that any deactivation or termination of your access to the Platforms or Program/Courses/Courses may be effected without prior notice to you and that Izzpay shall not be liable to you nor any third party for any termination of your account or enrollment to a Program/Course. You also acknowledge that Izzpay may retain and store your information on Izzpay’s systems notwithstanding any termination of your account or enrollment to the Program/Courses/Courses.

The Company reserves its rights to terminate these Terms in the event:

  • You breach any provision of these Terms;
  • The Company is required to do so under law; or
  • The Company chooses to discontinue the Services being offered or discontinue to operate the Platform;
  • The license granted to use the App expires;
  • of non-payment of Outstanding Amount(s).

The Company reserves its right to Track you, even when you have uninstalled the App or even after termination of these Terms, until all your obligations, including but not limited to payment of the Outstanding Amount(s) is in subsistence.

Upon termination of these Terms, the rights and licenses granted to you under these Terms shall cease to exist, and you must forthwith stop using the Platform and the Services and repay the Outstanding Amount(s). Notwithstanding anything contained in these Terms or otherwise, the termination of these Terms for any reason whatsoever, shall not affect your obligations, including but not limited to repayment of the Outstanding Amount(s).

Miscellaneous Provisions

By accepting the Terms through your use of the Platform, you certify that you are 18 years of age or older. If you are under the age of 18 or under the legal age in your jurisdiction to enter into a binding contract you may use the Platform only under the supervision of a parent or legal guardian who agrees to be bound by the Terms. If you are a parent or legal guardian agreeing to the Terms for the benefit of a child below 18, be advised that you are fully responsible for his or her use of the Platform, including all financial charges and legal liability that he or she may incur. By using the Platform, you represent and warrant that you have the right, authority, and capacity to enter into the Terms and to abide by all of the terms and conditions set forth herein. The Program/Courses/Courses are not for the use of individuals under the age of 18 years. Izzpay may freely transfer or assign any portion of its rights or delegate its obligations under these Terms or any Program/Course specific terms. You shall not transfer or assign, by operation of law or otherwise, any portion of your rights or delegate your obligations under these Terms or any Program/Course specific terms without the prior written consent of Izzpay. These Terms or any Program/Course specific terms shared with you, shall be governed by, construed and enforced in accordance with the laws of India, as it is applied to agreements entered into and to be performed entirely within India and without giving effect to any principles of conflict of laws. You agree that any legal lawsuit or other action brought by Izzpay, you or any third party to enforce these Terms or any Program/Course specific terms shared with you, or in connection with any matters related to the Platform or Program/Courses/Courses, shall be subject only to the jurisdiction of the courts of Mumbai. Where a dispute arises, the parties involved shall make all reasonable efforts to resolve the dispute through good faith negotiations. If efforts to amicably resolve any dispute or claim between the parties are unsuccessful, then such dispute or claim arising out of or in connection with the Terms or any Program/Course specific terms shared with you, including any question regarding its existence, validity or termination, shall be referred to arbitration under the Arbitration & Conciliation Act, 1956, as amended (“Act”) before a sole arbitrator to be mutually appointed by the disputing parties, failing which, the sole arbitrator shall be appointed in the manner provided in the Act. The proceedings shall be conducted in English and the seat for arbitration shall be Chandigarh. If any provision of the Terms or any Program/Course specific terms shared with you is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions herein, and shall not affect the validity and enforceability of any remaining provisions. Izzpay shall have no liability under these Terms or any Program/Course specific terms shared with you, to the extent arising from any failure of Izzpay to perform any of its obligations under these Terms or any Program/Course specific terms shared with you, due to any fire, flood, earthquakes, other acts of God, war, civil unrest, terrorism, Internet failures, governmental act or court order, national emergency, strikes or labor disputes or any other event not within Izzpay’s reasonable control. Izzpay shall not be responsible for damage or other problems caused by any unauthorized change to these Terms made by way of hacking or cracking this page. The failure of Izzpay to exercise or enforce any right or provision of the Terms or any Program/Course specific terms shared with you, shall not constitute a waiver of such right or provision. If any provision of the Terms or any Program/Course specific terms shared with you, is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, to the extent that may lawfully be done, and the other provisions of these Terms or any Program/Course specific terms shared with you, shall remain in full force and effect. These Terms or any Program/Course specific terms shared with you, constitute the entire agreement between you and Izzpay relating to the matters set forth herein, and shall not be modified except in writing, as posted on the Platforms by Izzpay or through a specific writing between you and Izzpay. Izzpay may freely transfer or assign any portion of its rights or delegate its obligations under the Terms or any Program/Course specific terms shared with you. You may not transfer or assign, by operation of law or otherwise, any portion of your rights or delegate your obligations under the Terms or any Program/Course specific terms shared with you, without the prior written consent of Izzpay, and any attempted such transfer or assignment shall be void and of no effect. Any notice or communication which may be required to be given to Izzpay under these Terms or any Program/Course specific terms shared with you, may be sent by writing or emailing to the following addresses:

  • Address: Entritt Solutions Pvt. Ltd, GR Tower, 3rd floor,Plot D-258, Phase 8-A, Industrial Area, Mohali, Punjab 160070
  • Email: support@Izzpay.com

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