Terms & Policies | Spice Bulls

Privacy Policy
Terms & Conditions
Policies
- Interest Rate Policy
- Fair Practice Code
- Grievance Redressal Mechanism
Disclaimers & Disclosures

A. Introduction

This Privacy Policy (“Policy”) outlines the practices and policies of Spice Bulls Limited (referred to as the “Company,” “We,” “Our,” or “Us,” which also encompasses its subsidiaries) concerning the collection, use, processing, storage, retrieval, disclosure, and transfer of Your (the words, “Yours/ yours”, “Him/ him”, “His/ his”, “You/ you”, “User”, and “Customer” refers to the end user of various services provided by Us) information, including personal or sensitive personal data or information ("Information"). This Information may be received through Your access and utilization of various facilities, services provided by Us (“Services”) through Your access, interaction, or use of Our portal, network, website, or mobile application (“Platform”). It is important to note that the scope of this Policy is confined to the aforementioned Information collected or received by Us through Your use of the Platform or Services.

By accessing or using the Platform or availing the Services, You hereby explicitly and specifically agree to the terms outlined in this Policy. The collection, use, processing, storage, retrieval, disclosure, or transfer of Your Information shall be conducted in accordance with this Policy and in compliance with applicable laws including but not limited to the Digital Personal Data Protection Act, 2023 (“DPDP”), Information Technology Act, 2000 (“IT”), and the rules established thereunder, as may be amended periodically. Additionally, Our practices align with the regulations, directions, circulars, guidelines, or other mandates issued by the Reserve Bank of India ("RBI"), any other regulators in India and any other relevant acts, laws, regulations enacted by the Parliament of India/Government of India (collectively referred to as "Applicable Laws"), that are applicable to the Services available on the Platform.

All terms and conditions, as well as policies governing the use of the Platform (as outlined in the Terms and Conditions or any other policies/terms of the Company), are hereby incorporated into this Policy by reference. We urge You to carefully read this Policy to ensure a clear understanding of how any Information You provide to Us will be handled. Your use of the Platform implies that You have read and accepted this Policy. By accessing or using the Platform or the Services, You explicitly and specifically consent to Our collection, processing, storage, transfer, use, disclosure, and handling of Your Information in accordance with this Policy. If You disagree with the practices outlined in this Policy, kindly refrain from providing Us with Your Information or using, accessing, or interacting with the Platform and/ or availing the Services.

You hereby represent to Company that:

The Information You provide to Us from time to time is and shall be authentic, correct, current, and updated, and You have all the rights, permissions, and consents as may be required to provide such Information to Us.
Your providing the Information as well as Our consequent storage, collection, usage, transfer, access, or processing of the same (pursuant to Your consent provided herein) shall not be in violation of any agreement, laws, charter documents, judgments, orders, and decrees.
You must ensure that the Information You provide to Us remains accurate and up-to-date at all times.
Your Information will primarily be stored in electronic form, however, certain data can also be stored in physical form. We may enter into agreements with third parties to store or process Your Information or data. These third parties may have their own security standards to safeguard Your Information or data, and We will require such third parties to adopt reasonable security standards to safeguard Your Information.
The Platform and the Services thereon are not available to persons under the age of 18 or to anyone previously suspended or removed from the Platform by Us. By using the Platform, You represent that You are at least 18 years of age and have not been previously suspended or removed by Us, or disqualified for any other reason, from availing Our Services or using Our Platform. In addition, You represent and warrant that You have the right, authority, and capacity to enter into this Agreement and to abide by all the terms of this Policy as part of this Agreement. Finally, You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age, or affiliation with any person or entity.

Note: “Personal Information” means the 'personal data' and 'sensitive personal data or information' as defined under the Applicable Laws and as provided by You under the purview of this Policy.

B. What we Collect?

We may collect and/or gain access to and/or record following Information, as disclosed by You to Us:

KYC related information
- Personal details (e.g. name, email ID, contact details including, residential address, date of birth, documents such as identity card/ User IDs / passport details /Aadhaar details / PAN / Voter ID / driving license, and/or education details) provided by You to Us to avail various Services from Us.
- Images/ Photos of documents/ live photo/ Video required for availing any of Our Services.
- Employment details (e.g. occupation, positions held, employment history, business details, GST details (including extracting of GST from PAN or from GST Number) salary and/or benefits) as part of Our record retention for various Services or required under Applicable Laws.
- User demographic information
Financial Info and Transactions
- Financial details (e.g. credit history) needed as part of request for some of Our Services.
- Your details including purchase history/ transaction history, balances, payment details, for maintaining records (as per the Applicable Laws) of Your virtual account/ trade balance account.
- Phone number, transactional and promotional SMS/app notifications.
Fraud Detection & Prevention
- Information obtained from Your mobile device by way of using Our Platform like other IDs, communication information including device location, device information (including storage, photos and videos, file and docs, IMEI, network carrier information), SIM Serial Number, SMS, model.
- Access to WiFi details through SSID information from Your device, to notify Users about the security of WiFi network.
- Your location, approximate/ precise based on the best available/multiple sources including but not limited to GPS/mobile network/Wifi/IP etc.
- Other Actions
- Opinions provided by You to Us by way of feedback or responses to surveys.
- User behaviour analysis including preferences and interests.

Note: Users can always refuse to supply Personal Information, however, it may prevent them from access to certain Services related activities.

You have the right to modify, revoke or withdraw Your consent for the collection and use of Your Personal Information at any time as per the procedure prescribed in section K below. However, please note that we will not be able to delete your KYC related information, financial and transaction information as per the applicable guidelines.

C. What we do with the Personal Information We Gather?

We may use Your Personal Information to:

To process transactions.
To administer and personalize the Services.
To carry credit checks, screenings or due diligence checks as lawfully required by Us.
To respond to Your queries or feedback submitted by You.
To send important notices, such as communications about purchases/downloads and changes to Our Policy.
To verify Your identity for Us to provide Services to You.
To check and process Your requirements submitted to Us for Services and/or instructions or requests received from You in respect of these Services.
To take up or investigate any complaints/claims/disputes.
To share with You updates on changes to the Services and their terms and conditions including Platform’s terms and conditions.
To monitor and review Services from time to time.
To undertake financial/regulatory/management reporting and create and maintain various risk management models.
To conduct audits and for record keeping purposes.
To undertake research and analytics for offering or improving Our Services and their security and service quality; Troubleshooting and helping Us to understand usage trends.
To enable us to show You advertisements which are relevant to You and Your interests, selective offers and promotions, search results, location-based services.
To comply with the requirements of Applicable Laws/regulations and/or court orders/regulatory directives received by Us.
To send You Our newsletter.

D.1 Collection and Use of Non-Personal Information

We may collect Your non-personal information whenever You use and interact with the Platform. Non-personal information may include the information other than the Personal Information (as indicated above) and may also include browser name, the type of computer, and technical information about means used by You to connect to our Platform, such as the information about the operating system and the internet service providers utilized and other similar information.

This information is aggregated and used to help us provide more useful information to You and to understand which part of the Services and/or the Platform are of Your most interest.

If we do combine non-personal information with Personal Information, the combined information will be treated as Personal Information for as long as it remains combined.

D.2. Sharing of information with Authorities

We may disclose Your Personal Information to the courts, law enforcement agencies, or any other government/regulatory/statutory authority, as required by them in connection with any ongoing proceedings before them.

E. Security

We are committed to ensuring that Your Personal Information is secure. We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of Your Personal Information, username, password, transaction information, and data stored in our Platform/ eco-system.

To secure the Personal Information, provided by You, We implement reasonable security practices and procedures as mandated under the IT Laws. We have comprehensive documented information security programme and information security policies that contain managerial, technical, operational and physical security control measures that are commensurate with respect to the Personal Information being collected and the nature of Our business.

You are responsible for the correctness of the Personal Information which You choose to submit to Us.

If You list Your name and email address in a blog/forum posting, then that information is public which will not be under the control of the Company. You are requested to take care when using any such features.

While We try Our best to ensure Your Information is safe and secure, because of the inherent vulnerabilities of the internet, We cannot warrant complete security of all Information that You share with Us.You should understand that there is no such thing as complete security. If We become aware that Your Information has been disclosed in a manner not in accordance with this Policy, We will use best efforts to notify You of the nature and extent of the disclosure (to the extent we know that information) as soon as reasonably possible and as permitted by Applicable Laws.

F. Retention of Personal Information

We will retain Your Personal Information for as long as the purpose for its usage exists and as permitted or prescribed under Applicable Laws. Subsequently, the Personal Information will be erased by Us.

G.1 Sharing Personal Information

We may use third-party service providers to help Us operate Our business and provide Services or administer activities on Our behalf, such as sending out newsletters or surveys. We may share Your Personal Information with these third parties for those limited purposes. We only share the Personal Information on a partial and “need-to-know” basis.

In general, the third-party service providers used by Us will only collect, use and disclose Your information to the extent necessary to allow them to perform the services or activities they provide Us. In such cases, We share the Information securely and use commercially reasonable efforts to ensure that all recipients comply with confidentiality obligations and sign covenants in this regard. However, certain third-party service providers (such as banks, financial institutions, payment aggregators or credit information companies), have their own privacy policies in respect to the information We are required to provide to them. For these third-party service providers, We recommend that You read their privacy policies to understand the manner in which Your Information will be handled by them. Once You leave the Platform or are redirected to a third-party website or application, You are no longer governed by this Policy or the Platform's Terms and Conditions and in such circumstances the privacy policy of such other website will apply. We will not be liable for any acts or omissions of the third-party service provider.

G.2 Disclosures

Following are the third parties to whom Your Personal Information is shared with.

Specific consent for sharing Your Information with third parties, group companies will be sought from You, where so required under Applicable Laws.

Service providers: We may share Your Information submitted by You to financial institutions and service providers such as payment processors, card issuers, lead aggregators, Loan Service Providers, collection service providers, NBFC partners, and banking partners to facilitate transactions.
IT Service Providers: We may share Your Information to IT Service Providers who are engaged in the provision of information technology Services for fulfilling various aspects of the Platform and for research and analytics.
Identity and other information providers: We may share Your Information to identity and other information providers to complete identification and Information verification processes in accordance with Applicable Laws. We may share your information with CIBIL, Credit Bureaus, Credit Rating Agencies, KYC Registration Agencies (KRAs), collection partners, and other such agencies, for the purpose of processing your transaction requests.
Government and regulatory organizations: We may share Your Information with the Government, law enforcement agencies, authorities, and regulatory bodies to comply with legal obligations.
Marketing, business development, and sales partners: We may share Your Information with marketing, business development, and sales partners for the purpose of improving and carrying out marketing or business development activities through Our Platform.
Group companies of the Company: We may share Your Information with Our subsidiaries, affiliates, and group companies in order to efficiently provide certain products and/or Services and/or particular features, for internal corporate/business restructuring purposes and audit-related purposes, etc. in compliance with Applicable Laws.
In any other circumstances where We have Your consent for any other purpose disclosed by Us to You when You provide the Information.

We are committed to always keeping all such Information safe and provide the highest possible degree of care available under the technology presently in use. Any sharing of information with third party service providers, group companies shall be under agreements which has confidentiality clauses restricting such parties with regard to the use of such Personal Information and in compliance with the provisions of Applicable Laws.

H. Third Party Websites

You may find advertising or other content on the Platform that link to the sites and Services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and platform/ services and are not responsible for the practices employed by those websites and platform/ services linked to or from our Platform. In addition, these sites and platform, including their content and links, may be constantly changing. These sites and platform may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites and platform which have a link to the Services, is subject to that website and such platform’ terms and policies.

We may collaborate with various third parties in connection with the Platform or the provision of Services. It is important to note that once You provide Information to any third party or navigate to third-party links while using the Platform, Our Policy will no longer be applicable, and We disclaim responsibility for the privacy practices of these third parties.

I. Changes to this policy

We reserve the right to change, update, modify, insert, or delete any provision of this Policy, from time to time, at Our sole discretion.

We encourage You to regularly check this page for any changes to this Policy. You acknowledge and agree that it is Your responsibility to periodically review this Policy and stay aware of any modifications.

J. Your Acceptance of These Terms

By utilizing the Services or accessing the Platform, You hereby agree and acknowledge to be bound by this Policy. You provide Your specific and explicit consent that We will collect, use, process, and share Your Personal Information and non-personal information in a manner consistent with the terms outlined in this Privacy Policy. If You do not agree with these terms, please refrain from using the Services. Your continued use of the Platform or Our Services following any change or amendment to this Policy shall indicate Your acknowledgment of such changes and Your agreement to be bound by the terms and conditions of such changes.

You agree that Your consent is given freely, specifically, with informed understanding, unconditionally, and unambiguously. This consent signifies Your agreement to the processing of Your Personal Information by Us for the specified purpose mentioned in this Policy.

K. Your Rights

You have the right to update, revoke, or withdraw Your consent for the collection and use of Your Personal Information at any time. If You wish to do so, You can submit a request to Us at care@spicebulls.com. Upon receiving Your request, We will proceed to update, limit the use of Your Personal Information in Our records as required under Applicable Laws.

Please note that there are certain situations where We may be legally obligated to process or retain Your Personal Information, as required by the Applicable Laws. These records and data shall be made available for scrutiny to regulators or any other investigation agencies as required under Applicable Laws.

Note: Please note that such action may impact Our ability to process or facilitate the use of Your Personal Information, potentially resulting in the discontinuation of the Services for which this Personal Information was being utilized, at Our sole discretion.

By submitting a request at care@spicebulls.com, You may review, correct, complete, or rectify the inaccurate Personal Information that is stored with Us.

You have the right to access the following details about Your Personal Information by submitting a request to care@spicebulls.com:

A summary of Your Personal Information being processed by Us and the processing activities undertaken with respect to such Personal Information.
The identities of all the third parties with whom Your Personal Information has been shared by Us, along with a description of the Personal Information so shared.
Any other information related to Your Personal Information and its processing, as may be prescribed under the Applicable Laws.

L. Support and Escalations

For any service related support or for any consent related support as detailed above, please contact or email our customer care at care@spicebulls.com.

Address: 326,Ansal Chambers-II, Bhikaji Cama Place R.K. Puram,

South West Delhi, New Delhi, Delhi, India, 110066.

For escalations with related to privacy concerns, please reach out to our grievance officer, at the contact details as below. Our grievance officer will attempt to expeditiously redress your grievances:

Name - Sanatan Malik

Designation - Grievance Officer

Email - legal@spicebulls.com

326,Ansal Chambers-II, Bhikaji Cama Place R.K. Puram,

South West Delhi, New Delhi, Delhi, India, 110066.

M. Governing Law and Dispute Resolution

Except as otherwise described, all content accessed through the use of the Platform is made available solely to facilitate You. We control and operate the Platform and Services and make no representation that the contents and Services are appropriate or available for use in other locations. If You use the Platform from a location other than where the Platform and Services are controlled and operated, You are responsible for compliance with applicable local laws.

This Policy shall be governed by and shall be construed in accordance with the laws of India. All disputes relating to this Policy shall be subject to the exclusive jurisdiction of the courts at Delhi, India.

Spicebulls Investments Limited (“Spicebulls” or “We” or “Us” or “Our” or “Company” which also includes its affiliates) is registered as a non-banking financial company duly authorized by the Reserve Bank of India (“RBI”) to provide financial services (“Services”). Spicebulls has its registered office at 326, Ansal Chambers-II, Bhikaji Cama Place R.K. Puram, South West Delhi, New Delhi, India, 110066. Using this site by implication, means that user “You/Customer” have gone through and agreed and abide by following terms & conditions (“Terms”).

This document is an electronic record in terms of Information Technology Act, 2000, amendments thereof from time to time and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

1. GENERAL

By registering for or using our Platform and using the Services from the Company, You as the end user agree to be bound by these Terms, including any additional guidelines and/or future modifications to these Terms and the various products/ services offered by the Company shall be governed by these Terms. If you do not agree to these Terms or do not wish to be bound by these Terms, please do not use the website and mobile application (if any) of Spice Bulls (“Platform”).
You agree and acknowledge that the access and use of the Services by You is voluntary and of Your own accord, and that the Terms shall be binding on You, for access and use of the Services in India (“Territory”). Your access and use of the Services shall be subject to the Applicable Laws, rules and regulations in force in the Territory, and as may be amended from time to time (“Applicable Laws”).
Your act of accessing and using the Services, shall be deemed to be Your absolute agreement to these Terms of the Company, as amended from time to time.
Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force. All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of these Terms.

2. Conditions of Use

The Platform and the Services thereon are not available to persons under the age of 18. By accepting these Terms and/or by using the Platform, You represent and confirm that You are at least 18 years of age.
By accepting the Terms of this Platform, You represent and warrant that You have the right, authority and capacity to enter into this Agreement and shall abide by all the Terms as part of this Agreement.
You shall not impersonate any person or entity, or falsely state or otherwise misrepresent Your identity, age or affiliation with any person or entity.
In the event of any violation of the Terms, the Company reserves the right to suspend or permanently prevent You from availing the Company’s Services or using the Company’s Platform.
You acknowledge that the Terms of agreement with Your respective telecom or internet service provider will continue to apply when using the Services. As a result, You may be charged by the respective telecom or internet service provider for access to network connection services for the duration of the connection while accessing the Platform and the Services or any such third party charges as may arise. You accept responsibility for any such charges that arise, and shall not claim the same from the Company or dispute the same.
You will not, nor allow third parties on Your behalf to: (i) corrupt the Platform (ii) attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the Platform; or (iii) make and distribute copies of. create derivative works of the contents of the Platform, in any kind whatsoever.
You agree not to access (or attempt to access) any of the Services by any means other than through the interface that is provided by the Company.
You shall not upload, modify, publish, transmit, host, display, update or share any information on the Platform that:
- belongs to another person and to which You do not have any right to;
- is harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever, or unlawfully threatening or unlawfully harassing including but not limited to "indecent representation of women" within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
- harm any other person, minors in any way;
- impersonate another person;
- infringes any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or fraudulent or involve the sale of counterfeit or stolen items;
- violates any law for the time being in force;
- contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any trojan horses, worms, time bombs, or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
- deceives or misleads the addressee/ users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
- 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 any other nation;
- is false, inaccurate or misleading.

3. Terms and Conditions for Loan Application

You hereby acknowledge and confirm that:

Submission of loan application to the Company or through its service providers, does not imply automatic approval of the loan and the Company in its sole and absolute discretion may either approve or reject the application.
You are competent and fully authorized to give any declaration and to submit the application form and any and all other documents for the purpose of availing loan facility, credit facility, and to represent for all the purposes mentioned/required to be done with respect to the loan.
You authorize the Company and its service partners, if any, to use the documents, download records from CKYCR using the KYC identifier submitted, video record the KYC document, personal discussion, and use any other information provided herewith to extract additional information from various public domains. Further, You give explicit consent to the Company to disclose, without notifying You, the information furnished by You in the application form/documents in relation to the facilities, to its branches/subsidiaries/affiliates/service providers or credit information companies/rating agencies or banks/financial institutions/governmental or regulatory authorities or any third party, who may process & publish the information in such manner and through such medium as it may be deemed necessary by the Company/RBI.
You have duly submitted all the required information/documents mentioned by the Company and shall furnish any additional document as may be required in future by the Company. You confirm that the information/documents provided by You are true and complete in all respects and You have not withheld/suppressed any information/document whatsoever. Any misrepresentation therein or incorrect/incomplete application will be Your sole responsibility and the Company may take suitable action. You shall duly inform the Company regarding any change from the information provided by You.
That You shall keep your acquainted on the rate of interest as per the Company’s approach for gradation of risk and rational of charging different rates of interest to different categories of borrowers, the particulars whereof are specified in the loan application form.
The rate of interest and credit decision are subject to various factors such as cost of funds, administrative cost, risk premium, margin, etc. and the decision to give a loan and the interest rate applicable to each loan are assessed on a case-to-case basis, based on multiple parameters such as borrower profile, repayment capacity, credit scores etc. The rate of interest is subject to change as per the sole discretion of the Company, as permitted under Applicable Laws.
The terms of loan as sanctioned are applicable for the specified product as indicated in the loan application and are valid only for a period of period prescribed therein, or as per the Company policy. If there is a delay in loan approval, the Company reserves the right to revise the loan terms at the time of actual availing of loan.
Processing fees and stamp charges would be deducted from disbursement and the same are non-refundable. In the event the Customer cancels the loan after sanction, the Customer shall be liable to pay the applicable processing fees and stamping/ other charges, if any.
Except as provided in the loan agreement or as specifically provided in our Platform, no cash is to be given by You to any person in relation to the loan application and no discount/fees/gifts or any other commitment is given whatsoever, by the Company or any of its authorized representatives.
The Company has the right to retain the documents along with the photographs submitted with the loan application, and the same will not be returned to You.
You authorize and give consent to the Company and its service providers for communicating with You regularly via SMS/email/calls/WhatsApp/other social media applications and the mobile number provided for receiving OTP is registered in the name of borrower/applicant/co-applicant or its main promoter/director/partner and You hereby authorize the Company, its subsidiaries/affiliates or service providers of the Company for sending any promotional/transactional SMS. Further You confirm that the You are providing the specific consent to reach out to You as above, even if the number/s are registered with DO NOT DISTURB (DND).
The Company shall have a right to either process and disburse the entire loan amount singly or jointly together with other co-lending partners, i.e., bank/NBFCs, as it may deem fit. You hereby authorize such co-lending partners to access the bureau reports/ credit information from the credit information companies, download records from CKYCR using the KYC identifier submitted, video record the KYC document, personal discussion, use the documents submitted and any other information provided herewith to extract additional information from various public domains. In case of co-lending all the rights as available to the Company under these terms shall be available to the co-lending partner as well.
Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force. All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of these Terms.
System Requirements:
- In order to access and use the Services, You are required to have a mobile, computer or laptop or any compatible device with internet connectivity.
- It is Your responsibility to ensure Your device meets all the necessary technical specifications to enable You to access and use the Services.

4. Privacy Policy & Data Protection

Any personal information You supply to the Company when using the Services will be used by the Company in accordance with its privacy policy (“Privacy Policy”) available on the Company Platform.
You agree and acknowledge that the Company may collect IP address and Platform usage information from You. the Company may use the above information, inter alia:
- to maintain, operate, provide and enhance our Platform and Services; and
- to comply with legal requirements or process, or where necessary to prevent fraud, to protect the safety of an individual.
- the Company may share Your personally identifiable information with suppliers, subcontractors, vendors and other businesses that We employ to perform functions on our behalf. For example, the Company may employ third parties to send email campaigns or provide marketing assistance, or provide Customer service. These entities have access to Your information only for the purposes of performing the functions for which We have engaged them. If such entities have access to Your personally identifiable information, their agreements with us require them to keep Your information confidential

5. Proprietary Rights and Licence

Intellectual Property Rights for the purpose of this Terms shall always mean and include copyrights of the Company and its group companies, whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights.
All material on this Platform including images, illustrations, audio clips, and video clips, if any, are protected by copyrights, trademarks, and other intellectual property rights of the Company. Material on Platform maybe accessed by You purely on Your personal, non-commercial basis. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the prior written consent of the Company, modification of the materials, use of the materials on any other platform or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited.
All trademarks, copyright, database rights and other intellectual property rights of any nature in the Platform and Services, any name, mark or logo related to the Company and/or the Services are owned either directly by the Company or the Company’s licensors. You should not adapt or use otherwise any name, mark or logo that is identical, or confusingly similar to any of these marks and logos. You agree and acknowledge that the access and use of the Services and Platform shall not be construed to confer on You any rights of any nature including rights in any form of intellectual property contained in the Services and/or Platform or related to the Company. If in the course of accessing and using the Platform, You even unintentionally infringe the rights including rights in any form of intellectual property of the Company, You shall immediately cease and desist any such use.
You agree and confirm that You shall not at any time reveal or make public any and all proprietary and/or confidential information relating to the Company, its business, that You may gain access to during the course of accessing and using the Platform. You agree not to modify, sell, distribute or create derivative works based on the content comprised in the Platform, in whole or in part.

6. Availability

The Company will use reasonable efforts to make the Platform available at all times. However, You acknowledge that the Services are provided over networks of internet service providers and depends on them, so the quality and availability of the Services may be affected by factors outside of the Company’s reasonable control. In the event the Services are unavailable to You for any factors not attributable to the Company and due to any reasons attributable to any third party service provider, the Company shall not be responsible for the same in any event whatsoever.
YOU HEREBY AGREE AND CONFIRM THAT SPICEBULLS AND/OR ITS GROUP COMPANIES, SERVICE PROVIDERS SHALL NOT BE HELD LIABLE FOR ANY UNAVAILABILITY OR NON-FUNCTIONALITY OF THE PLATFORM OR SERVICES DUE TO WAR, INDUSTRIAL ACTION, FLOOD, OR ACT OF GOD. YOU FURTHER AGREE AND CONFIRM THAT SPICEBULLS SHALL NOT BE RESPONSIBLE FOR ANY DISRUPTION IN THE FUNCTIONALITY OF THE SERVICES AND/OR ANY UNAVAILABILITY IN THE SERVICES, ARISING DUE TO THE INTERNET SERVICE PROVIDER AND/OR ANY OTHER THIRD PARTY, AND/OR ANY INTERMEDIARY WHO MAY DELIVER THE SERVICES TO YOU AND THAT YOU SHALL NOT HOLD SPICEBULLS LIABLE FOR ANY OF THE SAME.

7. Limitation of Liability

SPICEBULLS, AND ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, SUB-CONTRACTORS, AGENTS, PARENT COMPANIES, SISTER COMPANIES, SUBSIDIARIES AND OTHER AFFILIATES SHALL NOT BE LIABLE, TO THE MAXIMUM EXTENT PERMITTED BY THE APPLICABLE LAW, FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, OR ANY OTHER DAMAGE AND LOSS (INCLUDING LOSS OF PROFIT, LOSS OF DATA AND WORK STOPPAGE), COSTS, EXPENSES AND PAYMENTS, REGARDLESS OF THE ALLEGED LIABILITY OR FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE, INCLUDING NEGLIGENCE, INTELLECTUAL PROPERTY INFRINGEMENT, PRODUCT LIABILITY AND STRICT LIABILITY REGARDLESS OF WHETHER SPICEBULLS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The liability of the Company for direct damages, if any, to each Customer shall not in the aggregate exceed Rs. 100/- (One Hundred Only) in any case, including towards: i) the use or the inability to access and use the Platform or the Services, and/or ii) from any failure, error, or downtime in the function of the Services, or from any fault or error made by the Company or it's staff, and/or iii) from your reliance on content delivered through the Services, or and iv) from any denial or cancellation of request for information through the Services, or from retention, deletion, disclosure or any other use or loss of content through the Services, regardless of whether the Company has been advised of the possibility of such damages.

8. Disclaimer of Warranties

EXCEPT AS EXPRESSLY SET FORTH IN THIS TERMS, SPICEBULLS, ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, SUB-CONTRACTORS, PARENT COMPANIES, SISTER COMPANIES, SUBSIDIARIES AND OTHER AFFILIATES, EXPRESSLY DISCLAIMS ANY OTHER WARRANTY WITH RESPECT TO THE USE OF THE PLATFORM OR ANY SERVICES, CONTENT OR INFORMATION DELIVERED TO YOU. THE SERVICES ARE PROVIDED WITHOUT ANY EXPRESS OR IMPLIED GUARANTEE OR ASSURANCE OF QUALITY, RELIABILITY OF THE INFORMATION DELIVERED THROUGH THE SERVICES. SPICEBULLS DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES WITH REGARD TO THE PLATFORM. SPICEBULLS DOES NOT WARRANT OR GUARANTEE THAT THE USE OF THE PLATFORM WILL NOT CAUSE ANY DAMAGES TO YOUR MOBILE PHONE, COMPUTER/ LAPTOP AND ANY OTHER COMPATIBLE DEVICE OR TO YOUR MOBILE PHONE, COMPUTER/LAPTOP AND ANY OTHER COMPATIBLE DEVICE AND CONTENT THAT RESIDE ON YOUR MOBILE PHONE, COMPUTER/LAPTOP AND ANY OTHER COMPATIBLE DEVICE. YOU AGREE AND ACKNOWLEDGE THAT THE USE, AND ACCESS OF THE PLATFORM IS ENTIRELY, OR AT THE MAXIMUM PERMITTED BY THE APPLICABLE LAW, AT YOUR OWN RISK.
SPICEBULLS DOES NOT WARRANT OR GUARANTEE THAT THE PLATFORM WILL OPERATE IN AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE MANNER, OR FREE FROM ERRORS OR THAT THE PLATFORM WILL BE IMMUNE FROM UNAUTHORIZED ACCESS. THE SPICEBULLS PLATFORM AND ANY DATA, INFORMATION, THIRD PARTY SOFTWARE, REFERENCE SITES, SERVICES, OR SOFTWARE MADE AVAILABLE IN CONJUNCTION WITH OR THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
The Company cannot and does not guarantee that the Platform will be free from viruses and/or other code that may have contaminating or destructive elements.
You expressly agree that use of the Platform is at Your sole risk. It is Your are responsible to evaluate the accuracy, completeness and usefulness of all opinions, Services, merchandise and other information provided through the Platform.
You shall implement appropriate security safeguards (including anti-virus and other security checks) to satisfy your particular requirements as to the safety and reliability of the system. You understand and agree that Your use, access, download, or otherwise obtain information, materials, or data through the Platform or any reference sites/platforms/apps/Services shall be at Your own discretion and risk and that You will be solely responsible for any damage to Your property (including Your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data.
We do not authorize anyone to make any warranty on Our behalf and You should not rely on any such statement. This paragraph shall survive termination of this agreement. In no event will the Company be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the Platform.

9. Indemnification

You agree to indemnify and hold the Company, its officers, directors, shareholders, employees, sub-contractors, agents, parent companies, sister companies, subsidiaries and other affiliates, indemnified and harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Your use of the Platform or the Services, any unauthorised use of the Platform or Services by You, Your violation of these Terms, or Your violation of any rights including rights in any form of intellectual property of any third party and/or any violation of applicable law by You.

10. Amendments to The Terms

The Company may amend and modify this Terms from time to time, including any and all documents and policies incorporated thereto without any prior notice to You. You agree to be bound by any of the changes made in the Terms, including changes to any and all documents and policies incorporated thereto. Continuing to access and use the Services will indicate Your acceptance of the amended Terms.
If You do not agree with any of the amended Terms, then You must avoid any further use and access of the Platform. the Company advises You to periodically read these Terms, as it may change from time to time.
Certain Services on the Platform may have additional terms (such as policies, guidelines, and rules) that will further govern your use of that particular Service and supplement these Terms. If you choose to register for or access any such Services, you will be presented with any relevant additional terms and conditions at that time. By using those Services, you agree to comply with such additional guidelines and rules.
Any liability arising out of use of any of the payment options shall lie with the Customer. For any loss/stolen/misplaced payment instrument, Customer shall immediately report the incident to the law enforcement agencies and to the Company to the extent it relates to Company.

11. Entire Agreement

The Terms including the Privacy Policy constitutes the entire agreement between You and the Company and governs Your access and use of the Platform and Services, superseding any prior agreements between You and the Company with respect to the Platform and Services. If any provision of these Terms is, or is found to be, unenforceable under Applicable Laws, that will not affect the enforceability of the other provisions of these Terms.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and shall be construed in accordance with the laws of India. All disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts at Delhi, India.
All content availed by the use of the Platform is made available only to facilitate the users in India. the Company operates the Platform and makes no representation that the content is appropriate or available for use in locations outside India. If you access the Platform from a location other than India, you are responsible for compliance with applicable local laws. These Terms shall be governed by and shall be construed in accordance with the laws of India. All disputes relating to these Terms shall be subject to the exclusive jurisdiction of the courts at Delhi, India.

Policies will be updated soon.