Farmeasy Technologies Private Limited, is a company incorporated under laws of India with its registered office is at Brahma Kutir, House No. 2, Byelane 3, Navagiri Path, Chandmari Guwahati, Assam, 781003 (hereinafter referred to as “Farm Infinity”, “farm”, "Company", “Us” or “We”). The Company is the owner of the mobile application and website at www.farminfinity.com, operated under the brand name of ‘Farm Infinity’ (hereinafter collectively referred to as the "Platform"). As a user ("User") of this Platform, the User understands that Farm Infinity provides access to the Users to various financial products, including but not limited to, personal/consumer loans, credit cards, insurance etc., offered by the financial partners of Farm Infinity with a view to facilitate lending and borrowing activities. It is hereby clarified that the term "Users" or “You” used under these Terms & Conditions shall mean any person accessing the Platform merely for browsing or for the purpose of availing product offered by the financial partners of Farm Infinity. This document /agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and 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 of the Information Technology (Intermediaries Guidelines) Rules, 2011. Your use of this Platform implies that You have read, understood and agreed to abide by following, disclaimer, terms & conditions ("Terms & Conditions"). These Terms & Conditions together with our privacy policy as provided on the Platform ("Privacy Policy") govern your usage of the Platform. If You disagree with any part of these Terms & Conditions, please do not use the Platform.

Farm Infinity reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms & Conditions without prior notice, and your continued access or use of the Mobile App/Mobile Site signifies your acceptance of the updated or modified Terms & Conditions. If you object to these Terms & Conditions or any subsequent modifications to these Terms & Conditions or become dissatisfied with the Platform in any way, your only recourse is to immediately terminate use of the same.

  1. General

The Platform provides the Users access to various financial products offered by the financial partners of Farm Infinity. Farm Infinity is merely a facilitator providing the Platform to any person in need of financial products and does not directly provide any financial services to the Users. Farm Infinity is not an organization registered with the Reserve Bank of India and does not hold any license to engage in any activities relating to lending or borrowing. Farm Infinity is not a Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India. Farm Infinity is also not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.

Farm Infinity is a service provider facilitating the provision of financial products from financial institutions to individuals desirous of availing such financial products (“Services”). The final decision as regards lending and borrowing is also subject to the determination of the financial partner.

In the event You wish to avail any of the products displayed on the Platform, You will be required to provide certain information and our representatives will contact You through phone or email to understand your requirements.

For the provision of the Services, Farm Infinity will be using and sharing the information of the User with multiple financial institutions and other parties, as may be required for the purpose mentioned above and Farm Infinity shall also run multiple credit checks to be able to get the best available offers to suit the needs of the Users. The collection, storing, use and transfer of information shared by the User shall be governed in accordance with the Privacy Policy.

  1. Eligibility

The User of this Platform unequivocally declares and agrees that the User is a natural / legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the Services of Farm Infinity in accordance with the terms and conditions detailed under these Terms & Conditions. By registering on the Platform, the User hereby undertakes to agree and abide by the Terms & Conditions detailed herein. If the User violates any of these Terms & Conditions, or otherwise violates an agreement entered into through the medium of the Platform, Farm Infinity may terminate the User’s membership, delete his/her profile and any content or information posted online by the User on the Platform and / or prohibit the User from using or accessing the Platform at any time in its sole discretion, with or without notice, including without limitation if Farm Infinity determines that the User is under the age of 18 years.

  1. Your Account

If You wish to use the Platform, You are required to maintain an account and will be required to furnish certain information and details, including Your name, email id, contact number and any other information deemed necessary by Farm Infinity. You are responsible for maintaining the confidentiality and security of Your account, password, activities that occur in or through Your account and for restricting access to Your computer to prevent unauthorized access to Your account. You agree to accept responsibility for all activities that occur under Your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform Us immediately if You have any reason to believe that Your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. Please ensure that the details You provide Us with are true, correct, accurate and complete. Upon Farm Infinity gaining knowledge of having any reasonable suspicion that the information provided by You is wrong, inaccurate or incorrect, Farm Infinity shall immediately terminate Your account without any notice to You in this regard. In the event of any changes to the information shared by You at the time of registering Yourself on the Platform, You shall be responsible for forthwith notifying the said changes to Us. You can access and update most of the information you provided us by logging into the mobile app or by writing to us at info@farminfinity.com. The right to use this Platform is personal to the User and is not transferable to any other person or entity.

You shall, at all times, abide by the Terms & Conditions stated herein and any breach of the same may also lead to Farm Infinity terminating Your account and appropriate civil and criminal remedies will be sought against You as provided under the laws of India.

  1. Privacy

Farm Infinity collects certain information from You in order to provide the Services. Farm Infinity’s use of Your personal information is governed in accordance with the Privacy Policy located at www.farminfinity.com/Privacy.html

You confirm that all information given to Farm Infinity (whether in Farm Infinity’s online form or otherwise) is true, correct and not misleading. You agree to provide any additional documents to Farm Infinity as may be required from time to time.

  1. License and Site Access

Farm Infinity grants You a limited license to access and use the Platform for availing the Services, but not to download any material from it (other than page caching) or modify it, or any portion of it. Any unauthorized access to the Platform or any networks, servers or computer systems connected to the Platform and any attempt to modify, adapt, translate or reverse engineer any part of the Platform or re-format or frame any portion of the pages of the Platform is not permitted. This license is non-transferable and does not permit any resale or commercial use of this Platform or its contents; any downloading or copying of account information for the benefit of anyone other than Your authorized use; or any use of data mining, robots, or similar data gathering and extraction tools. This Platform or any portion of this Platform (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose. Any unauthorized use of the Platform shall terminate the permission or revoke the license granted by Farm Infinity.

Farm Infinity shall at all times have the right to monitor your activities on your account and Platform and shall have the right to terminate your account and the Services in the event of any unauthorized use.

  1. Service Termination

Farm Infinity reserves the right to terminate the Services and your use of the Platform at any time without giving notice of termination to You and without any liability towards you. Upon termination, (a) the rights and licenses granted to You in these Terms & Conditions will terminate; and (b) User must stop using the Platform.

  1. Limitation of Liability

Notwithstanding anything to the contrary contained under these Terms & Conditions, neither Farm Infinity nor its affiliated companies, subsidiaries, officers, directors, employees or any related party shall have any liability to You or to any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these Terms & Conditions. To the maximum extent permitted by law, You waive, release, discharge and hold harmless Farm Infinity, its affiliated and subsidiary companies, and each of its directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of Your use of the Platform.

  1. Disclaimer

Farm Infinity does not make any representations or warranties on behalf of the financial service providers, banks or NBFCs partnered with Farm Infinity with respect to the financial products provided by such partners. Farm Infinity shall be responsible only to the extent of providing the Services and all liabilities and obligations with respect to the financial products provided by the financial partners of Farm Infinity shall be governed by the separate agreement executed between such financial partners and the Users.

Farm Infinity makes no representations or warranties about the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, software, text, graphics, links or communications provided on or through the use of the Platform or that the operation of the Platform will be error free and/or uninterrupted or that the error will be rectified. The Service is provided on an "as is" and "as available" basis. Farm Infinity expressly disclaims all warranties of any kind as to the Service and all information, products and other content (including that of third parties) included in or accessible from the Service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose.

Further, Farm Infinity makes no warranties that:

    • the Service will meet Your requirements;

    • the results that may be obtained from the use of the Service will be accurate or reliable,

    • the quality of any products, services, information, or other material purchased or obtained by You through the Service will meet Your expectations.

You are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by You from Farm Infinity through or from the Service will create any warranty not expressly stated in these Terms & Conditions.

This limitation of liability clause shall prevail over any conflicting or inconsistent provision contained in any of the documents / content comprising this Terms & Conditions. It is up to You to take precautions to ensure that whatever You select for Your use is free of such items as viruses, worms, malware, Trojan horses and other items of a destructive nature.

  1. Indemnity

You agree to indemnify, save, and hold Farm Infinity, its affiliates, contractors, employees, officers, directors, agents and its third party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to Your use or misuse of the Services or of the Platform, any violation by You of these Terms & Conditions, or any breach of the representations, warranties, and covenants made by You during the creation of Your account or Your infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libellous, obscene, harassing or offensive material posted/ transmitted by You on the Platform. Farm Infinity reserves the right, at Your expense, to assume the exclusive defence and control of any matter for which You are required to indemnify Farm Infinity, including rights to settle, and You agree to cooperate with Farm Infinity’s defense and settlement of these claims.

  1. Site Management

We reserve the right at our sole discretion, to (1) monitor the Site for breaches of these Terms and Conditions; (2) take appropriate legal action against anyone in breach of applicable laws or these Terms and Conditions; (3) refuse, restrict access to or availability of, or disable (to the extent technologically feasible) any of your Contributions; (4) remove from the Site or otherwise disable all files and content that are excessive in size or are in any way a burden to our systems; and (5) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site and Services. We do not guarantee that the Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform to access the Site and you should use your own virus protection software.

  1. Modifications to and availability of the Site

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time.

We cannot guarantee the Site and Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site or Services during any downtime or discontinuance of the Site or Services. We are not obliged to maintain and support the Site or Services or to supply any corrections, updates, or releases.

There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Services, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information at any time, without prior notice.

  1. Advertisers/ Third Party Links on the Website

Farm Infinity accepts no responsibility for advertisements contained within the Platform. Farm Infinity has no control over and accepts no responsibility for the content of any website or mobile application to which a link on the Platform exists. Such linked websites and mobile applications are provided “as is” for User’s convenience only with no warranty, express or implied, for the information provided therein. Farm Infinity does not provide any endorsement or recommendation of any third party website or mobile application to which the Platform provides a link.

  1. Mobile Application

If you access the Services via a mobile application, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you, and to access and use the mobile application on such devices strictly in accordance with the terms and conditions of this license.

The following terms apply when you use a mobile application obtained from either the Apple Store or Google Play (each an App Distributor) to access the Services:

(a) The licence granted to you for our mobile application is limited to a non-transferable licence to use the application on a device that utilizes the Apple iOS or Android operating system, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor terms of service;

(b) We are responsible for providing any maintenance and support services with respect to the mobile application as specified in these Terms and Conditions or as otherwise required under applicable law. You acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the mobile application;

(c) In the event of any failure of the mobile application to conform to any applicable warranty, you may notify an App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the mobile application, and to the maximum extent permitted by applicable law, an App Distributor will have no other warranty obligation whatsoever with respect to the mobile application;

(d) You represent and warrant that (i) you are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. government list of prohibited or restricted parties;

(e) You must comply with applicable third party terms of agreement when using the mobile application, e.g., if you have a VoIP application, then you must not be in breach of their wireless data service agreement when using the mobile application; and

(f) You acknowledge and agree that the App Distributors are third party beneficiaries of these Terms and Conditions, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce these Terms and Conditions against you as a third party beneficiary thereof.

  1. Acknowledgements

You acknowledge that Farm Infinity is a platform solely engaged in providing services relating to facilitation of provision of financial services to the Users. Farm Infinity is not engaged in either grant of loan or any other financial products. You acknowledge that the use of the financial products is entirely based on the negotiations between You and the financial partners of Farm Infinity and Farm Infinity or its affiliates, contractors, employees, officers, directors, agents and its third party associates or licensors do not have any liabilities with respect to any financial products or assistance procured or intended to be procured by a User. You acknowledge that Farm Infinity will not be responsible for any claim or damage in case of use of the financial products by You. Farm Infinity in no manner warrants or guarantees the performance of a service provider/financial partner that is offering the various financial products or services on the Platform.

  1. Applicable Law And Dispute Resolution

This Agreement and all other aspects of your use of the Site shall be governed by and construed in accordance with the laws of India and, without regard to its conflict of laws rules. You agree that you will notify Farm Infinity in writing of any claim or dispute concerning or relating to the Site and the information or services provided through it, and give Farm Infinity a reasonable period of time to address it BEFORE bringing any legal action, against Farm Infinity.

  1. Other Agreements

This Agreement shall be subject to any other agreements you have entered into with Farm Infinity.

  1. Additional Terms

Certain sections or pages on the Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

  1. Copyright Complaints

If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed copyright infringement should be sent to Farm Infinity’s designated agent. Notification should include:

  • an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

  • a description of the copyrighted work that you claim has been infringed;

  • a description of where the material you claim is infringing is located on the Site;

  • a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the 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 copyright owner or duly authorized to act on the copyright owner's behalf.

You may contact Farm Infinity for notification of claimed copyright infringement by e-mail at info@farminfinity.com.

  1. Grievances

Users have complete authority to file a complaint/ share feedback if they are disappointed by Services rendered by Farm Infinity. You can submit Your grievances/ feedback in writing or by way of an email to the following: info@farminfinity.com