MAHAUTKARSH SECURITIES &  
FINANCE PRIVATE LIMITED  
Terms & Conditions  
st  
Approved on 1 April 2025  
Mahautkarsh Securities & Finance P Ltd  
Terms & Conditions  
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Terms and Conditions  
These Terms and Conditions ("Terms") constitute a legally binding agreement between you  
("User" or "you") and Mahautkarsh Securities and Finance Private Limited, a Non-Banking  
Financial Company (NBFC) incorporated under the Companies Act, 1956, having its  
registered office at 1st Floor, Shop No 5, Ashirwad bhavan, Byron Bazar, Raipur (CG) 492001  
("KishtoPe, Company," "we," "us," or "our").  
The services offered through the Platform are collectively referred to as “Services.”  
The term “User” refers to any individual who accesses or uses the Platform via any device  
and/or avails the services offered through the App. For the purpose of these T&Cs, “You”  
and “your” refer to the User.  
Your continued use of the App or availing of its services constitutes your acceptance of  
these T&Cs, including any updates made over time. If you do not agree with the T&Cs,  
please refrain from using the App or accessing the Services.  
1. SCOPE  
The Platform facilitates the below facilities to You:  
i.  
ii.  
Credit Facility Services  
Create and Maintain Account  
Facilitation for Repayment  
User Grievances and Feedback  
iii.  
iv.  
2. ELIGIBILITY  
You explicitly declare and confirm that you are a natural or legal person who is at least 18  
years of age and possess the legal capacity to enter into contracts under Indian law.  
3. RIGHT TO TERMINATE  
We reserve the right to modify, discontinue or terminate your membership, remove your  
profile and any content or information posted on the Platform, and/or restrict your access  
to the Platform at any time, with or without notice, if we determine a violation of these  
T&Cs or detect suspicious activity. These actions will be taken if you breach any of the T&Cs  
or violates any agreement made through the Platform.  
We, in our sole discretion, reserve the right to temporarily suspend or permanently  
terminate any user account and refuse any current or future use of the platform for any  
reason at any time. Such termination may result in the deactivation or deletion of the  
account, disruptions to any Services, and the loss of all the content hosted therein.  
Unless otherwise communicated by us, upon termination: (a) the rights and licenses granted  
to you under these T&Cs will be revoked; and (b) you are required to cease all use of the  
Platform and its Services.  
4. USER ACCOUNT  
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We hereby grant you to You a restricted, non-transferable, license to download and use the  
Application on a Device, which you own or control, to avail of the functions and features in  
accordance with these T&Cs.  
You have the option to set a security passcode on the App. You are solely responsible for  
maintaining the confidentiality of the information you hold for your account, including your  
passcode, and for any and all activities that occur under your Account as a result of your  
failing to keep this information secure and confidential.  
You agree to: (a) immediately notify us of any unauthorized use of your passcode or  
Account, or any breach of security; and (b) ensure that you log out of your Account at the  
end of each session. We will not be liable for any loss or damage resulting from your failure  
to comply with this clause.  
You acknowledge that deleting the App from your device does not terminate your Account.  
To fully deactivate your Account, you must follow the de-registration process outlined in the  
Privacy Policy. If you wish to have your details removed from our records, you may refer to  
our Privacy Policy.  
5. REPRESENTATIONS AND OBLIGATIONS  
You acknowledge that all information you provide is accurate, valid, and should be regularly  
updated as needed. Given the nature of the Platform and the Services provided, you are  
responsible for maintaining the security of your mobile device. You are solely accountable  
for all activities occurring under your account credentials and any transactions involving  
your bank account. It is crucial that you keep your password secure and do not share your  
account details with any third party. If you suspect unauthorized access to your account,  
contact our Grievance Team immediately and follow any additional necessary steps.  
i.  
You are also responsible for ensuring that you keep the Platform updated to the  
latest version to avoid issues with accessing certain services.  
ii.  
You agree not to engage in any unlawful activities, including the creation of multiple  
or fraudulent accounts, or using the Platform for immoral purposes.  
iii.  
You acknowledge and authorize the Company, or any third party acting on its behalf,  
to facilitate payments through the available payment methods on our Platform, in a  
manner and form as prescribed by the Company or applicable law.  
We do not provide any warranties regarding Services and will not be liable for any claims by  
you or third parties.  
6. INTELLECTUAL PROPERTY  
The underlying code of the Platform, all associated content, features, and functionality,  
including all data, text, designs, pages, graphics, user interfaces, visual interfaces, images,  
artwork, photographs, trademarks, logos, audio and video and HTML code, source code, or  
software (collectively, “Content”) that reside or are viewable or otherwise discoverable on  
the Platform are our intellectual property and is protected by applicable copyright,  
trademark, and other intellectual property laws.  
7. LIMITATION ON USE  
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We grant you a limited, non-transferable, non-sublicensable, and revocable license to access  
the Platform and use its features solely for your personal, lawful purposes. This license is  
strictly for non-commercial use and is subject to compliance with these T&Cs.  
You shall not use the Platform for any unlawful purposes or in a manner that violates any  
applicable laws, the terms of these T&Cs, or our Privacy Policy.  
You shall not use the Platform in any way that could damage, disable, overburden, or impair  
our server or any network connected to it, nor interfere with any other user’s ability to  
access or enjoy the Platform. You shall not attempt to gain unauthorized access to any  
features, user accounts, computer systems, or networks connected to our server, through  
hacking, password mining, or any other means. Additionally, you shall not attempt to obtain  
materials or information through methods that are not intentionally made available to you  
through the App.  
You may not decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense,  
copy, modify, reproduce, republish, distribute, display, or create derivative works from the  
Platform. Nor may you use any network monitoring or discovery software to determine the  
site architecture, or extract information about usage, individual identities or users. You will  
not use any robot, spider, other automatic software or device, or manual process to monitor  
or copy the Content without our prior written permission.  
You are not permitted to copy, distribute, modify, create derivative works of, publicly  
display, or exploit the Content, its features, or any related materials, directly or indirectly,  
without our prior written consent.  
You may not use the Platform or any Content for any purpose that is unlawful or prohibited  
by these T&Cs, or to solicit the performance of any illegal activity or other activity which  
infringes our rights or those of others.  
Unauthorized use or exploitation of the Platform or the Content may result in the  
termination of your access to the Platform and may lead to legal action.  
8. DATA AND INFORMATION PRIVACY  
We gather certain information from you to deliver our Services effectively. The handling of  
your personal data is regulated by our Privacy Policy, which outlines the types of  
information we collect and how we process it. If we determine, at our discretion and in  
accordance with our internal policies, that the information you provide is unreliable or may  
be fraudulent, we reserve the right to deny you access to our Services. Furthermore, we  
may introduce additional verification procedures in the future, which could require you to  
supply more information.  
To provide our Services, we utilize third-party providers for various tasks, including eligibility  
checks, payment processing, KYC (Know Your Customer) procedures, and other functions  
that enhance our offerings. While we maintain proper documentation with these third  
parties, we cannot accept liability for any issues that arise from our reliance on their  
services.  
If you have registered your phone number with your network provider on the "Do Not  
Disturb" list, it is your responsibility to ensure that our representatives can contact you by  
phone to provide information about various financial products. You must also confirm that  
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any calls you receive are related to the information you have provided to us and agree not  
to file complaints with the relevant authorities regarding these communications. All Services  
and products accessed by you on the Platform will also be governed by specific agreements  
between the Company and you related to those Services or products.  
9. DISCLAIMER  
The Platform has been designed to provide high availability, tested for functionality and  
security, however, we do not promise, represent or warrant that the Platform or any  
Content, Service or feature of the Platform will be error-free or uninterrupted, or  
completely secure.  
The Platform and its Content are provided/delivered on an "as is" basis, without any  
representations or warranties, whether express or implied, except as otherwise expressly  
stated in writing. We and our Partners do not guarantee the quality, performance, or  
availability of the App or Services, including, but not limited to, error-free operation,  
ongoing compatibility with any device, or the correction of any issues. We do not warrant  
that any defects or errors will be corrected, that the App is free from viruses or other  
malicious, harmful, or corrupting code, or that the App does not infringe on third-party  
rights. We also make no representations regarding the title, merchantability, accuracy and  
completeness of data, satisfactory quality, or fitness for a particular purpose.  
We do not warrant that the efficiency of any product, service, information, or other material  
obtained by you through the Platform will meet user’s or any other person’s expectations,  
achieve any intended result, be compatible or work with any software, system or other  
services except if and to the extent expressly set forth in the specifications or that any errors  
in the Platform will be corrected.  
In no event shall we, our Partners, successors, assigns, or any of their respective investors,  
directors, officers, employees, or agents be held liable for any special, incidental, punitive,  
indirect, or consequential damages or losses arising from your use of the Platform.  
While we take all reasonable precautions to ensure the accuracy, security, and  
confidentiality of the data and information provided through the Platform, we cannot  
guarantee protection against internet fraud, hacking, or similar activities. The possibility of  
such threats exists, and we disclaim any responsibility for losses resulting from such actions.  
We shall not be liable for the loss and/or damage of the confidential information or data of  
the User arising as a result of an event or a series of related events, that is beyond our  
control.  
10. USER FEEDBACK  
If you submit materials (such as contest entries) or voluntarily send creative ideas,  
suggestions, proposals, or other content (collectively, "comments"), you agree that the  
Company may use, edit, copy, publish, distribute, translate, and otherwise utilize your  
comments without restriction. The Company is not obligated to maintain confidentiality,  
provide compensation, or respond to any comments.  
You agree that your comments do not infringe on third-party rights (such as copyright or  
privacy) and do not contain harmful, unlawful, or abusive content. You also agree not to  
mislead the Company or others about the origin of your comments.  
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By submitting any content, you grant the Company and its service providers a license to use,  
display, and distribute the Content to provide services. The Company may also use non-  
personally identifiable information derived from your use of the Service. You confirm that  
the owner of the Content agrees to these terms and grants the Company and its service  
providers unrestricted use of the Content, with no obligation for payment. The Company  
retains ownership of your confidential account information, as between the Company and  
third-party service providers.  
11. THIRD PARTY LINKS AND ADVERTISEMENT  
Links to third-party websites on the App are provided solely for convenience in connection  
with the Services. We have no control over the content of these websites and makes no  
warranties regarding their accuracy, completeness, or reliability. We also do not guarantee  
that these websites are free from copyright, trademark, or other infringements, nor that  
they are free from viruses or other harmful content. If you choose to follow a link to a third-  
party website, you do so at your own risk. Links to third-party sites do not imply  
endorsement or responsibility for the content, opinions, products, or services offered on  
those sites.  
12. INDEMNITY  
You agree to indemnify, defend, and hold harmless the Company, its affiliates, contractors,  
employees, officers, directors, agents, and third-party associates, licensors, and partners  
from any and all claims, demands, losses, damages, liabilities, costs, and expenses, including  
but not limited to legal fees and expenses, arising out of or related to  
i.  
ii.  
your use or misuse of the Services and the Platform;  
you violation of these T&Cs;  
iii.  
iv.  
v.  
your breach of representations, warranties, and covenants made by you herein; or  
any infringement of intellectual property or other rights of any individual or entity;  
any claim that your User Content caused damage to a third party. This includes any  
threatening, libelous, obscene, harassing, or offensive material posted or  
transmitted by you on the Platform.  
The Company reserves the right, at your expense, to assume exclusive defense and control  
of any matter for which you are required to indemnify the Company, including the right to  
settle, and you agree to cooperate with the Company in the defense and settlement of such  
claims. The Company will make reasonable efforts to notify you of any claim, action, or  
proceeding initiated by a third party that is subject to this indemnification upon becoming  
aware of it. This indemnification obligation shall survive the termination of these Terms and  
Conditions.  
13. LIMITATION OF LIABILITY  
YOU EXPRESSLY UNDERSTAND AND AGREE THAT, IN NO EVENT SHALL WE BE LIABLE FOR  
ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR  
FOR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS  
DUE TO USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE  
ACCESS, USE OR PERFORMANCE OF THIS APP’S FUNCTIONS AND FEATURES OR FOR  
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INTERRUPTIONS, DELAY, ETC., EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF DAMAGES  
RESULTING FROM THE COST OF GETTING SUBSTITUTE FACILITIES ON THE APP, ANY  
PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES  
RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE APP,  
UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA  
STATEMENTS OR CONDUCT OF ANYONE ON THE APP, OR INABILITY TO USE THE APP, THE  
PROVISION OF OR FAILURE TO PROVIDE THE FUNCTIONS AND FEATURES, WHETHER BASED  
ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. THIS CLAUSE SHALL  
SURVIVE IN PERPETUITY.  
14. GENERAL TERMS  
i.  
ii.  
Amendment: We reserve the right to change, modify, add, or remove discounts and  
any provisions of these Terms at any time, in accordance with the Company's policies  
and applicable regulations.  
Assignment: You shall not assign or transfer any rights or obligations that have  
accrued to you under these Terms. Any attempt to assign or transfer such rights or  
obligations shall be deemed null and void.  
iii.  
Waiver: Unless explicitly stated otherwise, any delay or failure by us to exercise any  
rights or remedies arising from these Terms and/or other policies available on the  
Platform shall not be construed as a waiver of those rights or remedies.  
Furthermore, the partial or single exercise of any rights or remedies shall not  
preclude any subsequent exercise of those rights or remedies by us.  
iv.  
v.  
Survival: You acknowledge that your representations, obligations, and warranties, as  
well as the provisions concerning indemnities, limitation of liability, loan repayment,  
governing law and arbitration, and these general provisions, shall remain in effect  
beyond the passage of time and the termination of these Terms.  
Severability: If any provision of these Terms is deemed illegal or unenforceable, the  
validity, legality, and enforceability of the remaining provisions shall not be affected  
or impaired in any way. Any provision found to be invalid, illegal, or unenforceable  
shall be replaced by a provision of similar intent that reflects the original purpose of  
the parties, to the extent permitted by applicable law.  
vi.  
Governing Law: Your use of this Platform and any T&Cs outlined in this agreement  
are governed by the laws of India. In the event of any disputes arising from your use  
of the Platform, the courts in Bangalore shall have exclusive jurisdiction.  
15. GRIEVANCES  
You can file a complaint or provide feedback if You are dissatisfied with the services  
provided by the Company. Complaints or feedback can be submitted in writing via email:  
Email: grievance@kishtope.com  
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