Terms and Condition Background

This document constitutes an electronic record in accordance with the provisions of the Information Technology Act, 2000 and the rules made thereunder, as amended from time to time. Being generated by a computer system, it does not require any physical or digital signatures.

These Terms of Use (“Terms”) govern your access to and use of the website, mobile application, and related services (collectively, the “Platform”) provided by Zavo Nexus Private Limited (hereinafter referred to as “Zavo” or “Bridge Capital”), a company incorporated under the laws of India, having its registered office at G3/2, 2nd Floor, Malviya Nagar, Malviya Nagar (South Delhi), South Delhi, New Delhi, Delhi, India, 110017.

1. Acceptance of Terms

By accessing, registering on, or using the services provided by Bridge Capital (“Platform”), you agree to be bound by these Terms & Conditions (“Terms”). Your continued use of the Platform shall constitute your ongoing acceptance of these Terms, as may be amended from time to time.

2. Nature of the Platform and Services

Bridge Capital is a technology-driven platform that enables users to seamlessly discover, compare, and connect with a range of third-party products and services.

Bridge Capital operates as a facilitator and intermediary, providing access to offerings by various independent service providers, including but not limited to financial institutions, banks, NBFCs, insurers, fintech entities, and other regulated or unregulated entities (collectively, the “Service Providers. The Platform functions solely as an intermediary interface to streamline user interactions and application processes.

Bridge Capital does not provide any financial products or services on its own account and does not act as a lender, insurer, or financial advisor.

3. No Guarantee or Representation

Bridge Capital does not guarantee the approval, rejection, or processing of any application submitted through the Platform. All decisions relating to eligibility, sanction, pricing, tenure, and terms of financial products are determined solely by the relevant Lenders/Service Providers.

Any information made available on the Platform is based on data received from third parties and is subject to change without notice. Bridge Capital shall not be responsible for inaccuracies, omissions, or changes in such information.

4. User Eligibility and Obligations

By using the Platform, you represent that you are legally competent to enter into binding agreements under applicable law. You agree to provide accurate, complete, and up-to-date information at all times and acknowledge that any incorrect or misleading information may result in rejection of your application or suspension of your access to the Platform.

You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.

6. Data Usage and Privacy

Bridge Capital may collect, store, process, and share your information with relevant Service Providers strictly for the purpose of facilitating your application and related services. All data handling shall be in accordance with applicable laws, including the Information Technology Act and the Digital Personal Data Protection Act, 2023, and as detailed in the Privacy Policy.

By using the Platform, you consent to such collection and sharing of your data for legitimate business purposes.

7. Third-Party Services and Relationships

All financial products and services available through the Platform are offered by independent third-party Service Providers. Bridge Capital does not control or influence the terms, decisions, or performance of such providers and shall not be liable for any acts, omissions, or deficiencies on their part.

Any contractual relationship entered into shall be solely between you and the respective Service Provider, and Bridge Capital shall not be a party to such arrangements.

8. Fees and Commercial Arrangements

Bridge Capital may receive commissions, referral fees, or other consideration from Service Providers in connection with the successful facilitation of services. Users may also be subject to fees or charges imposed by such Service Providers in accordance with their respective terms.

9. Disclaimer of Warranties

The Platform and all services are provided on an “as is” and “as available” basis without any warranties, express or implied, including but not limited to warranties of accuracy, reliability, fitness for a particular purpose, or uninterrupted availability.

10. Limitation of Liability

To the fullest extent permitted by law, Bridge Capital shall not be liable for any indirect, incidental, consequential, or special damages arising out of or in connection with the use of the Platform or services. In no event shall the total liability of Bridge Capital exceed the amount of fees, if any, earned by it in relation to the specific transaction giving rise to the claim or INR 10,000, whichever is lower.

11. Indemnity

You agree to indemnify and hold harmless Bridge Capital, its affiliates, directors, employees, and representatives from and against any claims, losses, liabilities, or expenses arising out of your misuse of the Platform, breach of these Terms, or violation of applicable laws.

12. Suspension and Termination

Bridge Capital reserves the right to suspend, restrict, or terminate your access to the Platform at its discretion, including in cases of suspected fraud, misuse, or regulatory requirements, without prior notice where necessary.

13. Intellectual Property Rights

All content, technology, trademarks, and materials available on the Platform are the exclusive property of Bridge Capital or its licensors. No rights are granted to users except for limited use of the Platform in accordance with these Terms.

14. Force Majeure

Bridge Capital shall not be liable for any failure or delay in performance due to events beyond its reasonable control, including but not limited to natural disasters, system failures, regulatory actions, or network disruptions.

15. Grievance Redressal Mechanism

Users may raise complaints or concerns through the designated grievance redressal mechanism. Bridge Capital shall endeavour to address such grievances within reasonable timelines in accordance with applicable laws and regulatory guidelines.

16. Modification of Terms

Bridge Capital reserves the right to modify these Terms at any time. Updated Terms shall be made available on the Platform, and continued use of the Platform shall constitute acceptance of such modifications.

17. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Courts at New Delhi shall have exclusive jurisdiction over any disputes arising out of or relating to these Terms.

18. Miscellaneous

These Terms constitute the entire agreement between you and Bridge Capital in relation to the use of the Platform and supersede all prior understandings. If any provision is held invalid, the remaining provisions shall continue in full force and effect.

User Acceptance of Terms

These Terms constitute the entire agreement between you and Bridge Capital in relation to the use of the Platform and supersede all prior understandings. If any provision is held invalid, the remaining provisions shall continue in full force and effect.