This document is an electronic record in terms of Information Technology Act, 2000 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.

This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and terms of use for access or usage of the Application. These Terms of Use along with the Privacy Policy, Cookies Policy and Disclaimer (“Terms”) provided on the Application (as defined below) govern your use of the application, links, content, software including but not limited to the Services, any and all services offered on the Application titled ‘SOL’ available for download on the Google Play store at Shout Out Loud
These Terms govern your use of this Application; by using this Application, you accept these Terms in full. If you disagree with these Terms or any part of these Terms, you must not use this Application.

The term ‘Shout Out Loud’ or “the Company” 'us' or 'we' refers to the owner of the Application whose registered office is B-65/207, Stanford Plaza Opp City Mall, Off New Link Road Andheri (West) Mumbai - 53.
The company’s services include financial advice, credit information, risk analysis, credit score analysis, documentation, data, databases and other proprietary materials that belong to the Company or its licensors (collectively referred to hereinafter as “Services”) The term 'you' refers to the user, viewer and customer, i.e. borrower or lender of this Application. The use of this Application is subject to the following terms of use:

We may change these Terms at any time without notice. You can review the most current version of these terms by clicking on the "Terms of Use" hypertext link located at the bottom of our web page on the Application. You are responsible for checking these Terms for changes periodically. If you continue to use the Application after we post changes to these Terms, you are signifying your acceptance of the updated Terms.

We reserve the right to discontinue or change any service or feature on the Application at any time and without notice.

You may use the Application for lawful purposes only. You may not submit or transmit through the Application any material, or otherwise engage in any conduct that:

a. violates or infringes the rights of others including, without limitation, patent, trademark, trade secret, copyright, publicity or other proprietary rights;
b. is unlawful, threatening, abusive, harassing, defamatory, libellous, deceptive, fraudulent, invasive of another's privacy, tortious, or contains explicit or graphic descriptions, or accounts of, sexual acts;
c. victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
d. impersonates any person, business or entity, including the Company and its employees and agents;
e. contains viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment, or otherwise permit the unauthorized use of a computer or computer network;
f. encourages conduct that would constitute a criminal offense, or that gives rise to civil liability;
g. Violates these Terms of Use, guidelines or any policy posted on Application, or interferes with the use of the Application by others.
h. You may not use the Application in any manner that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party's use and enjoyment of Application.
i. You may not attempt to gain unauthorized access to the Services, any services, user accounts, computer systems or networks, through hacking, password mining or any other means. We may take any legal and technical remedies to prevent the violation of this provision and to enforce the Terms.

You may not use the Application or any of our communication tools to transmit, directly or indirectly, any unsolicited bulk communications (including but not limited to e-mails and instant messages). You may not harvest information about our users for the purpose of sending, or to facilitate the sending, of unsolicited bulk communications. You may not induce or allow others to use the Application to violate the terms of this section. We may terminate your access or use of the Application immediately and take any other legal action if you, or anyone using your access to the Application violates these provisions and/or the Terms. We may take any technical remedies to prevent unsolicited bulk communications from entering, utilizing, or remaining within our computer or communications networks.

a. We, our suppliers, and our users who lawfully post text, messages, information, software, images, audio and video, etc. ("Content") on the Application own the property rights to that Content. The Content is protected by international treaties, and by copyright, trademark, patent, and trade secret laws and other proprietary rights. For example, we own a copyright in the selection, organization, arrangement, and enhancement of the Content, as well as in our original Content. The look and feel of our colour combinations, button shapes, and other graphical elements on the Application are our trademarks.
b. This Application contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics and its reproduction is prohibited.

a. Unless otherwise stated, the Company and/or its licensors own the intellectual property rights in the Application and material on the Application. Subject to the license below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages from the Application for your own personal use, subject to the restrictions set out below and elsewhere in these Terms.
b. Access to, and use of your user account is strictly limited to you as the registered and authorized user. Accordingly, you should not share your username and password with anyone. Prior to making a purchase, you must check a box certifying that you (1) are the registered and authorized user of your user account, (2) are at least 18 years old, and (3) are completing a purchase from a location within the geographical boundaries of India. Failure to comply with any of these requirements will result in forfeiture of all winnings.
c. You must not:
i. republish material from this Application (including republication on another website);
ii. sell, rent or sub-license material from the Application;
iii. show any material from the Application in public;
iv. reproduce, duplicate, copy or otherwise exploit material on this Application for a commercial purpose; re-distribute material from this Application except for content specifically and expressly made available for redistribution;
v. Where content is specifically made available for redistribution, it may only be redistributed within your organization; and/or
vi. Any such use of the Application and/or its material, otherwise which shall be opposed by us.
d. On request of registration information from you to set up a user account, you must provide us with accurate and complete information and must update the information when it changes.
e. You are responsible for maintaining the confidentiality of your user account login names and passwords, and must not permit use of your account by anyone.. You accept responsibility for all activities, charges, and damages that occur under your account, including unauthorized use of your account. If you have reason to believe that someone is using your account without your permission, you should contact us immediately. We are not responsible for any loss or damage resulting from unauthorized use.
f. The user or viewer must have an Andriod supported device with wi-fi, 3G/4G connectivity for using or viewing the Application.
g. The user or viewer shall bear all data charges for the use or view of the Application as charged by their respective network carrier/s.
h. We store and process your information including any sensitive personal, health and financial information collected (as defined under the Information Technology Act, 2000), if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with Information Technology Act 2000 and Rules there under. Our current Privacy Policy is available at www.shoutoutloud.org. If you object to your information being transferred or used in this way please do not use the Application.

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b. If the customer believes that the Company has billed the customer incorrectly, customer shall contact the Company within 7 Working days from the issue of such bill, in order to receive an adjustment or credit, if found valid. Refunds are on a case-by-case basis and at the Company‘s sole discretion.
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a. Users are prohibited from violating or attempting to violate the security of the Application, including, without limitation, (a) accessing data not intended for such user or logging into a server or 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, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Application, overloading, "flooding", "spamming", "mail bombing" or "crashing", (d) sending unsolicited e-mail, 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 e-mail or newsgroup posting. Violations of system or network security may result in civil or criminal liability. We will investigate occurrences that may involve such violations and may involve, and co-operate with, law enforcement authorities in prosecuting users who are involved in such violations.
b. This Application is designed for parties who can legally make binding contracts under applicable law. Therefore, minors using, accessing, or registering as a user on this Application shall be deemed to be using this Application with the valid consent of an adult guardian and such guardian shall be considered a party to the Application.
c. You are also expected to follow all laws and regulations that may be associated with any of the activities involved with the use of the Application. You are also expected to pay for any statutory fees or applicable taxes that may be associated with the activities from this Application.

a. If the customer upgrades to a higher value plan, the customer is charged the new plan rate on a pro-rata basis to be included their next scheduled billing cycle. All annual accounts are pre-paid in full at time of purchase or upgrade.
b. No credit is given if customer downgrades to a lesser value plan within scheduled payment.
c. All new charges are applied to next billing cycle.
d. Downgrades occur immediately at time of downgrade. Customer agrees and acknowledges there is no downgrading of an account in the same billing cycle as an upgrade.
e. If the customer chooses to cancel their account they must cancel before next billing cycle to avoid scheduled charges. Refunds are on a case-to-case basis and at the Company’s sole discretion.

You agree that we are not liable for the Content that is provided by others. We have no duty to pre-screen Content, but we have the right to refuse to post or to edit submitted Content. We reserve the right to remove Content for any reason, but we are not responsible for any failure or delay in removing such material.

We respect the intellectual property of others. If you believe that your work has been copied and is accessible on the Application in a way that constitutes copyright infringement, please contact us to report the possible copyright infringement.

Application may include links to third party websites, including links provided as automated search results. Some of these sites may contain materials that are objectionable, unlawful, or inaccurate. These links do not mean that we endorse these third party sites or services. You acknowledge and agree that we are not responsible or liable for any Content or other materials on these third party sites. Any dealings that you have with advertisers found on Application are between you and the advertiser and you acknowledge and agree that we are not liable for any loss or claim you may have against an advertiser. You may not create a link to this Application from another Application or document without the Company’s prior written consent.

a. We provide the Application “as is” and “as available.” We make no express warranties or guarantees about the Application. To the extent permitted by law, we and our suppliers and affiliates disclaim implied warranties that the Application and all software, Content, Services, any services and products distributed through the Application are merchantable, of satisfactory quality, accurate, timely, fit for a particular purpose or need, or non-infringing.
b. Without prejudice to the generality of the foregoing paragraph, we does not warrant that:
i. this Application will be constantly available, or available at all; or
ii. the information on this Application is complete, true, accurate or non-misleading
c. c. Nothing on this Application constitutes, or is meant to constitute, advice of any kind.

Your sole and exclusive remedy for any dispute with us is to discontinue your use of the Application. Our liability, or the liability of our affiliates and our suppliers for any and all claims relating to the use of the Application is limited to the amount of charges/fees, if any, paid by you to the Company for a specific service. We, our affiliates, and our suppliers shall not be liable for any direct, indirect, special, incidental, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses arising (in any manner whatsoever, including but not limited to negligence) out of or in connection with the Application, Services, services provided through the payment gateway on the Application or any other services of the Application arising from your use of, inability to use, or reliance upon Application. The Company, its associates, affiliates, service providers and technology partners make no representation or warranties about the accuracy, reliability, completeness and/or timeliness of any content, information, software, text, graphics, links or communications provided or on through the use of the Application or that the operation of the Application will be error free and/or uninterrupted. The company provides no guarantee to its users in respect of the products sold on the Application. We assume no liability whatsoever for any monetary or other damage suffered by you due to delay, failure, interruption, or corruption of any data or other information transmitted in connection with the use of the Application.

Upon a request by us, you agree to defend, indemnify, and hold harmless us and our affiliated companies, and our respective employees, contractors, officers, directors, and agents from all liabilities, claims, demands and expenses, including attorney's fees, and penalties imposed, if any, that arise from your use or misuse of the Application, breach of the Terms including rules and policies incorporated herein under any applicable law.

We make no representation that the Content on the Application is appropriate or available for use in locations outside India, and accessing it from territories where the Content is illegal and/or prohibited. If you choose to access the Application from a location outside India, you do so, on your own initiative and you are responsible for compliance with local laws.

a. Without prejudice to the Company’s other rights under the Terms, if you breach these Terms in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the Application, prohibiting you from accessing the Application, blocking computers using your Internet Protocol address from accessing the Application, contacting your internet service provider to request that they block your access to the Application and/or bringing court proceedings against you.
b. Further, it is clarified that unauthorised use of this Application may give rise to a claim for damages and/or be a criminal offence.

This contract and any supplemental terms, policies, rules and guidelines posted on Application constitute the entire agreement between you and us and supersede all previous written or oral agreements. If any part of the Terms is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

Your right to use the Application automatically terminates if you violate these Terms or any rules or guidelines posted in connection with the Application. We also reserve the right, in our sole discretion, to terminate your access to all or part of the Application, for any reason, with or without notice.

a. These Terms and all claims arising from or related to your use of the Services will be governed by and construed in accordance with the laws of India and Courts in Mumbai shall have the exclusive jurisdiction.
b. Notwithstanding any other provision of these Terms, we may seek injunctive or other equitable relief from any court of competent jurisdiction.

a. If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.
b. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in additional terms of use for areas of the Application, such as a particular "Legal Notice," or software license or material on particular web pages, these Terms constitute the entire agreement between you and us with respect to the use of the Application.
c. c. No changes to these Terms shall be made except by a revised posting on this page.

Your right to use the Application automatically terminates if you violate these Terms or any rules or guidelines posted in connection with the Application. We also reserve the right, in our sole discretion, to terminate your access to all or part of the Application, for any reason, with or without notice.