This document is an electronic record generated by a computer system and does not require any physical or digital signatures, in compliance with the Information Technology Act, 2000.

Welcome to zavo! If you continue to browse and use the zavo Application or the zavo Website, you are agreeing to comply with and be bound by the following terms and conditions. These terms and conditions are a legal contract ("Terms of Use") between you and Zavo Nexus Private Limited (" zavo") having its registered office at B1/ 639 A, Janakpuri, West Delhi, Janakpuri B-1, West Delhi, New Delhi, Delhi-110058. You agree and acknowledge that you have read the terms and conditions set forth below.

1. Eligibility

By registering with zavo and accessing the zavo Services, you are representing the following:

• 1.1. You are at least 18 years of age.
• 1.2. You are capable of entering into a legally binding agreement;
• 1.3. You are not barred or otherwise legally prohibited from accessing or using the zavo App or the Website and zavo Services;
• 1.4. You agree to seek your credit score from Credit Information Companies using the zavo and disclose the said credit score to zavo. zavo may use the said credit score to determine your eligibility for access to various zavo Services. zavo may at its sole discretion prevent Users from accessing the zavo Application or the Website in part or in whole if the credit score of a User is lower than a minimum entry threshold set by zavo from time to time;
• 1.5. If you allow anyone to use your account, including individuals under 18 years of age, you will still be responsible for ensuring that such individuals comply with these Terms of Use. You will be responsible for all actions these individuals take in and/or through your account. You also acknowledge that zavo does not have the responsibility of ensuring that you meet the aforesaid eligibility requirements.

2. Definitions

• 2.1. "ZAVO" , "Zavo" , "We" , "Us" , "Our" means zavo and zavo Group Entities.
• 2.2. "You" , "Yours" , "Yourself" , "User" means any prospective user, or registered user of zavo and zavo Group Entities, including but not limited to customers and Commercial Partners.
• 2.3. "ZAVO Application" means mobile application(s), hosted by zavo and zavo Group Entities for providing services to the Users, and Commercial Partners.
• 2.4. "zavo Coin" is an in-app digital currency, coined exclusively by us for the zavo Application and zavo Website; to be utilised as digital currency, which may only be earned as rewards incentivising users for their engagement and timely repayment and/ or bill payments transactions within the zavo Application or other permitted means of conversion as may be notified by us from time to time.
• 2.5. "ZAVO Group Entities" means subsidiaries and affiliates of zavo.
• 2.6. "zavo Mall" shall be the in-app integrated marketplace, featuring a wide range of products from various third-party vendors. The users shall be allowed to access and purchase such listed products while availing discounts through equitable deduction of zavo Coins and Cashback, as may be allowed/ notified by zavo.
• 2.7. "ZAVO Platform" means any platform owned/subscribed/used by zavo or zavo Group Entities including but not limited to the zavo Website, the zavo Application, other mobile applications, devices, URLs/links, notifications, chatbots, ZAVO's social media channels or any other communication medium or mechanism used by zavo or zavo Group Entities to provide services to the Users.
• 2.8. "zavo Wallet"” means the currency wallet, which shall be the sole repository of zavo Coins and Cashback that may be awarded to a user, by zavo.
  The zavo Wallet has been provided at the sole discretion of zavo and may be terminated on account of suspicious and fraudulent activities by the User.
• 2.9. "ZAVO Website" means thezavo.com or any other website hosted or registered by zavo or zavo Group Entities.
• 2.10. "ZAVO Services" means and include all services offered / to be offered by zavo, and zavo Group Entities either directly or through its Commercial Partners including but not limited to Credit Score, Quick Settle, zavo Mall, zavo Prime; and in relation to Merchants, also includes Payment Aggregator Services.
• 2.11. "Commercial Partner" means any individual or entity with whom zavo or zavo Group Entities have a contractual relationship and includes but is not limited to entities offering rewards on zavo Application or the website, Sellers, Lenders, zavo Pay Merchants etc.
• 2.12. "Terms of use" / "Terms and Conditions" are interchangeably used and mean these Terms of Service.

3. Your Use of ZAVO

You agree that:

• 3.1. Unless otherwise permitted by zavo in writing, You may only possess one account.
• 3.2. Your use of the Application or the website shall not violate any applicable law or regulation.
• 3.3. Your use of the zavo Application, and zavo website shall be only for personal purposes.
• 3.4. All registration information you submit is truthful, complete and accurate and you agree to maintain accurate, complete and up-to-date account information in your account.
• 3.5. You are responsible for all activity that occurs under your account.
• 3.6. You are responsible for maintaining the confidentiality of the access credentials of your account and are fully responsible for all activities that occur under your account. You agree to immediately notify zavo of any unauthorized use of your passcode or account or any other breach of security.
• 3.7. You agree that You are aware and responsible for all transactions taking place through your Account. You shall continue to be responsible for the transactions in your account, if you knowingly or negligently (i) grant any other person access to your zavo Application, (ii) permit them to transact on Your account, or (iii) transact on any other person's behalf or directions; whether by sharing one-time passwords or in any other manner.
• 3.8. You shall not indulge in decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with the zavo Application or the zavo Website, including our copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices.
• 3.9. You shall not access or use the zavo Application or the zavo Website in any manner that (i) may be harmful to the operation of the zavo Application, or the zavo Website, or its content; (ii) may be unlawful; (iii) maybe harmful to zavo or to any other User; (iv) may hinder the other User's enjoyment of the zavo Application or the zavo website; or (v) to defraud other Users, zavo or any Commercial Partner.
• 3.10. You shall not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus, other harmful component or malicious content, or otherwise impair or damage the zavo Application, the website or any connected network, or otherwise interfere with any person or entity's use or enjoyment of the zavo Application or the zavo website.
• 3.11. You shall not delete or modify any content of the zavo Application or the zavo Website.
• 3.12. Your use of the zavo Application or the zavo Website shall indicate that you have provided consent to automatically receive updates such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, "Updates"), for the purpose of effective delivery of the zavo Services. Please note that your continued use of the zavo Application or the zavo Website following such Updates would mean deemed acceptance by you of the same.
• 3.13. zavo may at its sole discretion ascribe relevant valuation to zavo Coins; or, altogether limit the usage of the same; or, terminate any or all of its reward programmes.
• 3.14. zavo may at its sole discretion choose to discontinue or reduce the percentage of Cashback offered to users; or, altogether limit the usage of the same; or, terminate any or all of its reward programmes.
• 3.15. You understand and accept that not all products, services, and rewards offered on the zavo Application or the zavo Website are available in all geographic areas, and you may not be eligible for all products, services, and rewards offered by zavo on the zavo Application or any zavo Platform. zavo reserves the right to determine the availability and eligibility for any product, service, or reward offered on the zavo Application or any zavo Platform. Standard delivery timelines apply to all physical goods purchased through any zavo Platform. Delivery of goods is typically completed within 14 days in metropolitan areas and 21 days in rural areas, unless otherwise specified. These timelines are estimates and may vary due to factors beyond zavo’s control.
• 3.16. You shall request zavo, to block the Account and change the passcode immediately for the account, if your device has been lost or stolen.
• 3.17. You agree that if you purchase any insurance policies via the zavo Application or the zavo Website, the nominee for such policy shall be Your legal heirs (if stated therein, and if not stated, the same shall be read to mean that no nominees are listed), and You will contact the respective insurer who has issued you the policy to make any updates to the nominees. zavo and the zavo Group Entities shall not be responsible for any change required to be made in the list of nominees to Your insurance policies.
• 3.18. You understand that if You avail insurance on the zavo Application or the website, our insurance partners may seek medical information from any doctor / hospital who / which at any time has attended to You, or from any past or present employer concerning anything which affects Your physical / mental health, and seeking information from any other insurer to whom an application for insurance on You has been made for the purpose of underwriting the insurance proposal and / or claim settlement. You also authorise such insurance partners to share information pertaining to You, including Your medical records, for the sole purpose of underwriting the insurance proposal and / or claim settlement and with any governmental and / or regulatory authority. The insurance partner may also contact You regarding any insurance you have availed / applied for, and for any servicing / claims settlement or other similar activities.

4. Supplemental Terms and delivery of services through ZAVO Group Entities

• 4.1 You agree and acknowledge that several features, including but not limited to Quick Settle, Instant Loan, Repayments and zavo Mall, zavo Prime , are also subject to their respective terms and conditions. Your usage of any features that have a set of supplemental terms of use is deemed to be acceptance of the said supplemental terms of use. You further agree that any zavo Services may be provided to You either directly by zavo or by any zavo Group Entity and in particular, any payment to you or made by you may be routed through Zavo Nexus Private Limited (“Payment Aggregator”).
• 4.2. Click on each link below to view the detailed, feature specific terms and conditions-
  • 4.2.1. Quick Settle- a subscription-based legal enablement service that helps users address loan-related distress, including harassment, by offering expert advisory, documentation support, and assistance in negotiating settlements with lenders.
  • 4.2.2. Instant Loan-this feature allows users to discover and apply for credit cards, personal loans, gold loans and credit lines within the zavo App, offering a seamless interface, eligibility-based offers, and direct integration with Lending Partners.
  • 4.2.3. Repayments-this feature enables users to pay EMIs, credit card bills, and loan instalments directly through the zavo App, offering a unified dashboard, BBPS integration, and real-time transaction updates from partnered lenders.
  • 4.2.4. zavo Mall-an in-app marketplace that allows users to shop products from partnered third-party vendors and redeem zavo Coins or Cashback for exclusive discounts on select listings.
  • 4.2.5. zavo Prime- a premium, subscription-based membership offering users exclusive benefits such as EMI interest discounts, welcome rewards, gamified credit engagement, priority support, and partner brand incentives, all designed to enhance credit discipline and user experience on the zavo Platform.
• 4.3. Substitution of Plan due to ineligibility:

  In the event that a user subscribes exclusively to thezavo Protect plan and is subsequently determined to be ineligible for any relief under its framework, however is found eligible under the parameters of the Quick Settle Plan, zavo reserves the right to unilaterally migrate the user to the Quick Settle plan. Upon such migration:

  • 4.3.1. The user shall be deemed to have subscribed to the Quick Settle Plan, without requiring any separate application or consent;
  • 4.3.2. All terms, conditions, benefits, and obligations made applicable through Supplemental Policy of the Quick Settle Plan shall immediately apply and supersede those of the zavo Protect plan; and
  • 4.3.3. The user acknowledges and agrees that such migration is a product-level substitution in the interest of service continuity and shall not constitute a refund or termination of the original subscription.

5. Violation of Terms of Use / Suspicious Activity

• 5.1. If We believe that you have violated any of the conditions as mentioned under these Terms of Use, our Privacy Policy, or supplemental terms applicable to certain services or any agreements consented to via the zavo Application or the zavo Website, we reserve the right to suspend your access to zavo and/or delete your account without prior notice to You, and reverse any transaction undertaken by You. If We have reason to believe that there is suspicious or unusual activity being carried out through your account, we may temporarily or permanently suspend your access to the zavo Services, and reverse any transaction undertaken by You. If we suspect that any feature, offer or reward promotion is being availed by You in a manner (i) that is disingenuous (for example: placing orders without intending to take delivery or intending to subsequently cancel all or substantially all of them); (ii) that it is not intended to be availed; (iii) that purports to artificially increase (or decrease) your transaction volume or usage of the Application or the website (for example: paying rent or credit card bills by breaking them down into numerous smaller transactions); (iv) that is designed to deliberately side step fair use restrictions; (v) that may result in you gaining an undue, unfair or unethical advantage over other Users or Commercial Partners; (vi) that is intended to cause losses or other harm to Commercial Partners, zavo reserves the right to reverse the relevant transaction, suspend the account or restrict you from using the Application or the website in its entirety or any specific feature(s) thereof.
• 5.2. zavo may ask for additional information / documents if required from time to time including but not limited to Your permanent account number (PAN), in connection with the above. In case you fail to provide such information / documents to zavo 's satisfaction, zavo may reverse any transactions undertaken by You, and may suspend Your account or restrict You from using the, the website or any of its features.



You may reach out to the zavo support team to assist you with any query or question arising as a result of the aforementioned suspension/ deletion.

6. Modalities of Reward Programs and Cashback Offerings:

• 6.1. Users can earn zavo Coin and Cashback through various activities, including but not limited to:
  • 6.1.1. Timely credit repayments and/ or Bill payments made via the zavo Application; or,
  • 6.1.2. Participation in promotional events or referral programs as specified by zavo.
• 6.2. zavo Coin(s)-
  • 6.2.1. shall become utilisable/ usable after a period of 30 (thirty) days from the date of issuance and accumulated zavo Coin(s) shall be valid for a maximum period of 12 (twelve) months from the date of issuance. Any unredeemed zavo Coins will automatically expire after this period;
  • 6.2.2. are non-transferable and can only be redeemed by the account holder/ user to whom they were issued. They cannot be exchanged for cash outside the redemption options provided within the zavo Platform.
  • 6.2.3. may be redeemed for exclusive discounts on- services offered through the zavo Platform (in the form of EMI discounts); on products listed on zavo Mall; or any other comparable programme as may be launched by zavo.
    The specific redemption options corresponding zavo Coins will be detailed within the zavo Application and are subject to change or termination at ZAVO's discretion.
  • 6.2.4. hold no monetary value outside the zavo Platform and are solely intended for use within the specified rewards program. zavo makes no warranties or representations regarding the availability, quality, or fitness of the rewards offered in exchange for zavo Coins.
  Valuation of zavo Coins shall be ascribed/ alterable/ terminable upon zavo's sole discretion.
  Present valuation- 10 zavo Coins shall carry a value of INR 1/- (Indian Rupee One only)-
• 6.3. Cashback-
  • 6.3.1. shall carry an equitable value of currency (INR) and may be utilised as discounts for various repayment services; or, may be transferable to the linked bank account of the user; or, as may notified by zavo from time to time;
  • 6.3.2. shall be issued, against deemed to be acceptable transactions, at the sole discretion of zavo;
  • 6.3.3. shall be credited to the zavo Wallet of the users, shall become usable after a period of 90 (ninety) days from the date of issuance;
  • 6.3.4. are non-transferable and can only be redeemed by the account holder/ user to whom they were issued;
  • 6.3.5. shall never exceed the percentage computation equivalent to 5% of the transacted amount, against which such Cashback is granted.
• 6.4. Reward Programs and Cashback Limitations:
  • 6.4.1. For Credit Card and Loan repayments, 3% of the transaction value may be provided as zavo Coin(s) to the user's zavo Wallet.
  • 6.4.2. For Credit Card repayments, 2% of the transaction value may be provided as Cashback to the user's zavo Wallet, up to a maximum value of Rs. 10/- (Rupees Ten Only) per user, per credit card billing cycle (i.e. cumulative credit card repayment due for one billing cycle).
  • 6.4.3. For Loan repayments, 2% of the transaction value may be provided as Cashback to the user's zavo Wallet, up to a maximum value of Rs. 20/- (Rupees Twenty Only) per user, per loan repayment transaction (i.e. EMI repayment transaction per month).
  • 6.4.4. For Other transactions (including mobile recharges, utility bill payments, etc.), 4% of the transaction value may be provided as zavo Coin(s) to the user's zavo Wallet, in addition to zavo Coins; a Cashback equivalent to 1% of the transaction value, may also be provided in the user's zavo Wallet, up to a maximum value of Rs.5/- (Rupees Five Only), per user, per transaction.
  • 6.4.5. If a user remains inactive on the zavo website or the app for a continuous period exceeding 60 (sixty) days, then all accumulated rewards, including but not limited to zavo Coin(s), Cashback, vouchers, or any other promotional benefits, shall automatically lapse and be forfeited without any obligation on zavo to provide prior notice, reminder, or compensation to the user. In the event of account closure, renewal, or reactivation, the Cashback balance shall be reset to zero and accrual shall commence afresh
  
  The cumulative summation of all Cashback offerings, for each user, shall be limited to Rs. 500/- (Rupees Five Hundred Only) per annum across all product offerings via the zavo Website or zavo Application or the zavo Platform.
• 6.5. zavo reserves the right to modify, suspend, or terminate the zavo Coin and Cashback Rewards Program at any time, with or without prior notice. In such events, zavo will not be liable for any unused or unredeemed zavo Coins or Cashback.
• 6.6. zavo offers reward programs and cashback schemes at its sole discretion. Users acknowledge and agree that:
  • 6.6.1. Modification or Termination of Reward Programs: zavo may, at its sole discretion, terminate the reward program entirely, with or without prior intimation to the end user.
  • 6.6.2. Adjustment of Cashback Values: zavo reserves the right to reduce the percentage computation of the cashback value or terminate cashback offering schemes at any time, with or without notice.
  • 6.6.3. No Guaranteed Benefits: Participation in cashback programs does not create any vested rights, and zavo reserves the right to modify or discontinue these programs at its discretion.
  • 6.6.4. Finality of Decisions: In the eventuality of any dispute raised by a user concerning the aforementioned subject, the Company's decision shall be deemed final.
  Users shall have no claims against zavo for any changes or discontinuation of rewards or cashback offerings.

7. Prohibited Conduct and Enforcement Measures:

• 7.1. Monitoring and Prevention of Unfair Practices: zavoactively monitors platform activity to detect and prevent any form of unfair, fraudulent behaviour by users. If zavo determines, at its sole discretion, that a user is engaging in any practice deemed to be fraudulent unfair, manipulative, or in violation of norms, appropriate actions shall be taken against the user, including but not limited to:
  • 7.1.1. Forfeiture or Reduction of zavo Coins: If a user is found to be involved in such activities, zavo reserves the right to forfeit or reduce zavo Coins accrued by the user as a corrective measure.
  • 7.1.2.Temporary or Permanent Suspension/Deletion: zavo may suspend or terminate user accounts engaging in activities that undermine the platform's fair use, as per Clause 7.1 of these Terms of Use.
  • 7.1.3. Investigation & Compliance Actions: zavo retains the right to conduct internal reviews of user activity and take necessary actions, including legal recourse if required.
  Users acknowledge that zavo's determination of unfair practices shall be final and binding. zavo shall not be liable for any loss or inconvenience arising from the enforcement of this policy.

8. Termination / Deletion of Your Account:

• 8.1. You may end your legal agreement with zavo at any time by deactivating your account and discontinuing the use of the zavo Services. We provide all our Users an option through which a User may request archive of a specific card stored on his/her account or deletion/deactivation of the complete account through the support section on the zavo Application or the Website.
• 8.2. Following a request for deletion, or termination of account by zavo, We consider the agreement to be terminated and take appropriate steps. Provided however, zavo may continue to maintain transaction records for record keeping purposes and/or regulatory reasons. Deletion of the account or Termination also does not terminate Your obligations undertaken prior to deletion or termination of the account including but not limited to the obligation to repay any loan or credit line availed by You. zavo may continue to retain a record of your transactions made on the zavo Application or the Website for regulatory and archival purposes.

9. Fees

You are responsible for any fees that may be applicable to certain transactions or use of the zavo Application or the zavoWebsite; where you will be notified of such applicable fees, prior to the completion of any transaction. By clicking "Proceed" / "Submit" / "Continue" or any other similar button on the zavo Application or the zavo Website, You shall be deemed to have consented to the fees displayed on the said page.

10. Privacy and Data Protection

• 10.1. The User expressly acknowledges and consents that zavo may share, transfer, or disclose User data, including personal, financial, transactional, and credit-related information, with its partnered financial institutions, lenders, settlement partners, service providers, verification agencies, credit bureaus, and technology partners for the purposes of facilitating services, onboarding, identity verification, credit assessment, repayment processing, customer support, fraud detection, risk management, and compliance with Applicable Law.
• 10.2. zavo collects, processes, stores, and uses User data in accordance with its Privacy Policy, which forms an integral part of these Terms.
• 10.3. By using the Platform, the User consents to the collection and processing of personal data for purposes including but not limited to account creation, service delivery, compliance with Applicable Law, fraud prevention, analytics, promotional and marketing purposes.
• 10.4. zavo implements reasonable security practices and procedures as required under the Information Technology Act, 2000, The Digital Personal Data Protection (DPDP) Act, 2023, and its 2025 Rules and applicable rules thereunder.
• 10.5. zavo shall not be responsible for data practices of third-party platforms accessed through redirection or integration, which shall be governed by their respective privacy policies.

11. Disclaimer:

• 11.1. The zavo Services, including all content, software, functions, material, and information made available or accessible through the Application or the Website are provided “as is”. zavo, zavo Group Entities and their respective agents, co-branders or partners, make no representation and warranty of any kind for the content, software, functions, material, and information available/accessible through the Services.
• 11.2. zavo does not warrant that the functions contained in content, information and materials on the zavo Application or the zavo Website, including, without limitation, any third-party sites or services linked to thezavo Application or thezavo Website will be uninterrupted, timely or error-free, that the defects will be rectified, or that the zavo Application, the website or the servers that make such content, information, and materials available are free of viruses or other harmful components.
• 11.3. Further, you understand that a payment transaction is solely between the User who uses the zavo Services to make his payment (“Sender”) and the User who receives such payment from the Sender (“Recipient”) and that zavo does not provide any guarantees or warranties to any User with respect any service, goods, or delivery level commitment provided by the Recipient. zavo cannot assure that Commercial Partners or other Users are or will be complying with the foregoing Terms of Use or any other provisions mentioned here. You assume all risk of harm or injury resulting from any such lack of compliance by any other User or Commercial Partner. You should ensure that you have undertaken adequate due diligence prior to transferring payments using the zavo Application or the zavo Website.

12. Limitation of Liability:

• 12.1. In no event shall zavo, zavo Group Entities, their officers, shareholders, subsidiaries, associate companies, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, or contractors 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 zavo 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 zavo Platforms, zavo Application or zavo Services.
• 12.2. In no event shall zavo and zavo Group Entities total cumulative liability to You in connection with the zavo Services for all damages, losses and causes of action (whether arising under contract or otherwise), arising from or relating to Your use of the zavo Application and website or arising from these Terms of Use exceed INR 10,000 (Indian Rupees ten thousand only).

13. Indemnification:

• 13.1. You agree to defend, indemnify and hold harmlesszavo, zavo Group Entities, its officers, owners, directors, employees and agents, partners, co-branders, licensors, licensees, consultants, contractors and other applicable third parties (collectively "Indemnified Parties") from and against any and all claims, demands, damages, obligations, losses, liabilities, cause of action, costs or debt, and expenses (including any legal fees) arising from:
  • 13.1.1. your use of and access to the zavo Application and the zavo Platforms;
  • 13.1.2. your violation / breach of any of these Terms of Use;
  • 13.1.3. your violation of any third party right, including any intellectual property right or privacy right;
  • 13.1.4. the committing of any of the prohibited activities as stated herein;
  • 13.1.5. your failure to be in compliance with applicable law, including tax laws and cyber security laws; or
  • 13.1.6. any claim that your use of the zavo Application or the website caused damage to a third party.

14. Disputes & Arbitration:

• 14.1. In consideration for zavo granting you access to and use of the zavo Application, or the website, you agree that in case of any dispute between You and any Commercial Partner or other User or recipient of the funds transferred by You, zavo shall not be a party to the same. While zavo is not obligated to mediate or resolve disputes, zavo will assist Users in communicating with each other regarding a dispute. zavo may at its own discretion, however, without having any obligation to do so, assist in resolving the disputes between the Users and the Commercial Partners.
• 14.2. Except as otherwise set forth in these Terms of Use, these Terms of Use shall be exclusively governed by and construed in accordance with the laws of India.
• 14.3. Any dispute, conflict, claim or controversy arising out of or broadly in connection with or relating to the zavo, including those relating to its validity, its construction or its enforceability, but excluding those provisions where it has been specified that zavo's decision shall be final, (any “Dispute”) shall be, if initiated by the User, first raised by the User to zavo customer support through the zavo Application, or the website and if not suitably resolved, the user may raise a grievance to our Grievance Redressal Officer (GRO) at tanmay@thezavo.com
• 14.4. If such Dispute has not been settled within sixty (60) days after the User reaches out to the aforementioned email IDs, such Dispute can be referred to and shall be exclusively and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996 (“Act”); through an expedited procedure conducted via Bharat Dispute Resolution (BDR) at https://www.bharatdispute.com/, an independent ODR platform. Provided, when zavo raises any dispute, zavo may directly initiate arbitration in accordance with the aforementioned provisions.
• 14.5. The arbitration as envisaged in Clause 14.4, shall be (i) carried out in accordance with the Arbitration and Conciliation Act, 1996 or any statutory modification or re-enactment thereof; and, (ii) the seat and venue of Arbitration shall be New Delhi, India; and, (iii) the language of the proceeding shall be English.
• 14.6. The existence and content of the arbitration proceedings, including documents and briefs submitted by the parties, and correspondence, orders and awards issued by the appointed neutral arbitrator, shall remain strictly confidential and shall not be disclosed to any third party without the express written consent from the other party unless: (i) the disclosure to the third party is reasonably required in the context of conducting arbitration proceedings; and (ii) the third party agrees unconditionally in writing to be bound by the confidentiality obligation stipulated herein.

15. Use and Protection of Intellectual Property Rights

• 15.1. The zavo Application or the zavo Website are protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. No information, content or material from the zavo Application or the website including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, tradenames may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Our express written permission. You are hereby given a limited licence to use the zavoApplication or zavo Website, subject to your agreement of these Terms of Use.
• 15.2. zavo, zavo Group Entities, and its licensors, if any, are the sole owners of the underlying software and source code associated with the zavo Application and the Website as well as any other intellectual property rights of any other nature associated with the zavo Application, their website and their content. When you upload, submit, store, send or receive content that may include feedback to or through the zavo Application or the zavo Website, you give zavo and zavo Group Entities a worldwide, perpetual licence to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. This licence shall not expire even if it is not used by zavo or zavo Group Entities.
• 15.3. The rights you grant in this licence are for the limited purpose of operating, promoting, and improving the zavo Services, and to develop new ones. This licence continues even if you stop using the zavo Services.

16. Tax Liability

You hereby agree to comply with any and all applicable tax laws in connection with your use of the zavo Services, including without limitation, the reporting and payment of any taxes arising in connection with payments made through the zavo Application or zavo Website, or funds/income received through the zavo Services. You hereby agree and acknowledge that if and when required by applicable law, zavo, may deduct tax deducted at source from your winnings/ cashback (credited as zavo Balance or otherwise) and/or may require You to submit PAN details before providing you cashback or other winnings.

17. Governing Law and Jurisdiction

All your transactions with zavo, and our relationship shall be governed by the laws of India, without regard to conflict of law principles. You agree that subject to the Disputes & Arbitration Clause above, all claims, differences and disputes which we may have shall be subject to the exclusive jurisdiction of the competent courts located in New Delhi, India.

18. Assignment:

You shall not transfer or assign any of Your rights and obligations arising from these Terms of Use. You agree and acknowledge that zavo may assign or transfer its rights and obligations under these Terms of Use in whole or in part, to (i) any other zavo Group Entity; (ii) an acquirer of zavo or any zavo Group Entity or their respective equity interest, business or assets; or (iii) a successor entity resulting from any corporate action including mergers or demergers.

19. General

No joint venture, partnership, employment or agency relationship exists between you, zavo, zavo Group Entities or any Third Party as a result of the contract contained in these Terms of Use. If any provision of these Terms of Use is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms of Use but the legality, validity and enforceability of the other provisions in these Terms of Use shall not be affected. In that event, zavo shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms of Use. These Terms of Use (together with any additional terms displayed in specific sections of the zavo Application or the zavo Website) constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter.

20. Amendments:

We may amend these Terms of Use at any time by posting an updated version on the zavo Application or zavo Website. The updated version of these Terms of Use shall supersede the previous version of the Terms of Use and take effect immediately upon posting. You have the right to opt-out of agreeing to these Terms of Use or any future updated version of the Terms of Use, by ceasing to use the zavo Application or the zavo Website. However, please be aware that your continued use of the zavo Services from the launch of any updated Terms of Use would mean deemed acceptance of such updated Terms of Use including any modification thereof. We recommend you to keep checking the Terms of Use often to be familiar with any updates and changes.

21. Contact us

: If you have any concerns, complaints or grievances about the terms or other users or their manner of use of the application or the website infringe or violate your rights or any complaints about how we handle your personal information, please feel free to contact customer support within the zavo Application or the zavo Website or through zavo's official social media channels. If your support request is not addressed to your satisfaction, you may also contact the Grievance Redressal Officer any time:

• Grievance Redressal Officer: tanmay@thezavo.com
• Contact:  +91 9289554459