Welcome to Neo91!

Neo91 is a platform that allows its users to discover and avail offers related to products and services offered by listed Partners (hereinafter referred to as “ Services ”). The Services can be availed through our website www.neo91.com and related mobile application Neo91 (hereinafter collectively referred to as “ Neo91 Platform ”) and are subject to the terms and conditions provided herein. By accessing and using Neo91 Platform (or clicking on “I Agree”), irrespective of completion of registration formalities, required under this document, you agree to have read these conditions carefully and to be bound by them. DSBL Private Limited is the owner and controller of Ne091 Platform, as stated above, and the terms set forth below shall form a binding legal contract between you and DSBL Private Limited

Reference to “ you/user ” in this Terms and Conditions of Usage (“ Terms ”) refers to the persons browsing/using Neo91 Platform, whether, or not you access/avail the products or services available on Neo91 Platform or consummate a transaction on Neo91 Platform.

The term “Company”, “us”, “we” or “Neo91” shall mean DSBL Private Limited incorporated under the Companies Act, 2013 responsible for the operation and management of the Neo91 Platform;

If you do not agree with these Terms, please do not proceed further or use or access Neo91 Platform. You have the right to opt-out of agreeing to these terms, and therefore also using Neo91 Platform. If you do not agree with any of the Terms stated herein or do not wish to be bound by the same, you are at liberty to refrain from using Neo91 Platform and its Services.  

However, please be aware that your use of Neo91 Platform would mean deemed acceptance of these Terms and its associated policies mentioned here, including any modification thereof. As, long as you comply with these Terms, Neo91 grants a personal, non-exclusive, non-transferable, limited license to use Neo91 Platform. The aforesaid license and/or or use of Neo91 Platform can be revoked or refused, subject to the Company’ s reasonable discretion.

Terms 1. Online platform

You understand and agree

2. Scope of the Website / App Services

The scope of services that can be availed by a user by accessing Neo91 platform is as stated below:

Availing / Applying for loan facilities offered by Neo91 lending partners.For the provision of the  services, NEO91 will be using and sharing the information of the user with multiple financial institutions and/or other parties, as may be required for the purpose mentioned above and also run multiple credit checks to be able to get the best available offers to suit the needs of the user. The collection, storing, use and transfer of information shared by the user shall be governed in accordance with the Neo91 Platform Policies.

4.  Feedback

You will be granted limited access to the Neo91 Platform. While enjoying access to Services offered by Neo91 Platform, you agree not to download, or modify any portion of it but to inform Neo91 Platform of any issues you face while using Neo91 Platform and its features. Your feedback is valuable to Neo91 Platform.

5.  Limitations on use
6. Registering with Neo91

The information gathered from you is collected, stored and process according to our Privacy Policy .

While completing the registration process or to confirm the payment made by you, you will be provided with a One-Time Password (OTP) or any other piece of information as part of our security procedures. Kindly treat such information as confidential, and do not disclose it to any third party. In the event you disclose such information to a third party, Neo91 shall not be responsible for any loss or damage that may occur. You agree to immediately notify us of any unauthorized use of your password, by sending details of the same to:  support@Neo91.com

7. NeoCoins / Neo Vouchers

8. Zero Cost EMI Banks 

9. Legal Terms & Conditions - NBFCs- Zero Cost EMI  

10. Fees

You are responsible for any fees that may be applicable to certain transactions or use of Neo91 Platform where you will be notified explicitly of such applicable fees prior to the completion of any transaction. Your consent is mandatory for completion of the transaction. All fees shall be determined by Neo91 and will be inclusive of taxes. However, any charges or convenience fee levied by your banking facility is not our responsibility.

11. Refunds 

You are responsible for ensuring the correctness of details provided for payment to Partners. Neo91 shall not be responsible for any payment for an incorrect provider and amount. In case, money has been charged to your card or bank account is not delivered by the service provided within 72 working hours of your completion of the transaction then you may inform us regarding the same by sending an email to support@neo91.com . We shall investigate such incidents and if it is found that money was indeed charged to your card or bank account without delivery of the payment/service then you will be refunded the money within twenty-one (21) working days from the date of receipt of your email. All refunds will be tied to your original mode of payment or bank account. Neo91 will have sole discretion to determine the mode of reversal from the above-mentioned options. However, Neo91 disclaims all liability, including for refunds in the event of any error arising from a failure in the applicable bank or network.   

12. Intellectual Property Rights (IPR)

The logo, brand name, design and the contents displayed on Neo91 Platform are the intellectual property of Neo91 and the user is not allowed to use any Neo91 logo or other proprietary, graphic or trade mark as part of Neo91 Platform without express written consent of Neo91.

13. Third Party Right(s) 14. At your risk:  

You acknowledge and undertake that you are accessing the Services on Neo91 Platform and transacting at your own risk and are using your best and prudent judgment before entering into any transactions through Neo91 Platform and/or with any Partners listed therein. We shall neither be liable nor responsible for any actions or inactions or breach of conditions, representations or warranties by the Partners of their products/services and hereby expressly disclaim all responsibility or liability in that regard. We shall not be at liberty to mediate or resolve any dispute or disagreement between you and the Partners so listed on Neo91 Platform.

15. No representation or warranty 
16. Indemnity 
17. Waiver 
18. Agree to third party terms and conditions 
19. Updates and change in usage policy 
20. Use of computer, mobile device, internet, etc.
21. Promotional SMSs and other communications
22. Report to customer care

If you believe that any content on or advertised for sale on Neo91 Platform contains any objectionable content, please notify us immediately by copying the notice to Neo91 and sending a signed copy via e-mail or fax to the grievance officer at the customer care:

Grievance Officer: Sudhanshu Shekhar
Customer Care
E-mail: support@neo91.com
Phone No.: 08043233147
Address: 657, 17D Main Road, Koramangala Block -6, Bangalore - 560095

Giving false, misleading or inaccurate information to Neo91 may result in civil and/or criminal liability under the appropriate laws. You fully understand that your notice ma be used in any court proceedings that may arise out of or relating to the objectionable content which you have complained about.

23. Limitation of Liability

Neo91, its officers, owners, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, or contractors, shall not be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable and regardless of whether NEO91  has been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with your use of, or access to, the Website / App or Website / App Services.

NEO91 ’s total cumulative liability arising from or relating to these terms and conditions shall not exceed the net fees NEO91 has actually received and retained from your valid transactions during the one (1) month period immediately preceding the date of the claim.

24. Disclaimer
25. Force Majeure
26. Governing Laws and Dispute Resolution

Updated on: 28/11/2019