These Terms of Use, read with the Privacy Policy, are an electronic record under the Information Technology Act, 2000, and the rules made thereunder and the amended provisions pertaining to electronic records under various statutes as amended by the Information Technology Act, 2000 and is enforceable against You (as defined hereinafter) under law by way of Your acceptance hereof. This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and user agreement for access or usage of domain name www.sparshinfosystem.com(“Website”), including the related mobile site, domains, and mobile application (hereinafter collectively referred to as “Platform”).

Your use of the Platform and services provided through the Platform (“Services”) are governed by the following terms and conditions ("Terms of Use") including any terms and policies which are incorporated herein by way of reference along with any amendments / modifications made by Sparsh InfoSystem at its sole discretion and posted on the Website, including by way of imposing an additional charge for access to or use of the Services. These Terms of Use are a binding legal agreement between You and Sparsh InfoSystem (both terms defined below) and come into effect when You register for a Sparsh InfoSystem Account or upon Your usage of the Platform and/or any Services.

For the purpose of these Terms of Use, wherever the context so requires "You" (with the term “Your” or “Yourself” being construed accordingly) or "User" shall mean any natural or legal person who registers for creation of an account with Sparsh InfoSystem (“Sparsh InfoSystem Account” or “Account”) or surfs the Platform or makes any transactions without registering on the Platform. Unless explicitly mentioned hereunder, the term “Sparsh InfoSystem”, "We", "Us", "Our" shall mean Sparsh InfoSystem, a company registered under the Companies Act, 2013, having its registered address 969, T3, Shalimar Garden, Extension 1, Ghaziabad 201005. Our Services are very diverse and additional terms or product requirements shall apply to certain Services. These Terms of Use are in addition to and not in derogation with terms and conditions of any other Service provided by Sparsh InfoSystem either individually or by affiliates of Sparsh InfoSystem (“Affiliates”) or by third parties. Thus, when You use any of the Services provided by Us through the Platform, You will be subject to the rules, guidelines, policies, terms, and conditions applicable to such Services, and they shall be deemed to be incorporated into these Terms of Use and shall be considered as part of these Terms of Use. If there is a conflict between these Terms of Use and the additional terms, the additional terms will supersede these Terms of Use.

Please read these Terms of Use carefully before You use the Platform and/or any Services. We reserve the right, at Our sole discretion, to change, modify, add, or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of the Platform following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Platform.

I Eligibility:
The Platform and/or the Services should only be used or accessed by persons who are competent to enter into a legally binding contract under the Indian Contract, 1872. If You are a minor (i.e. You are under the age of 18 years), You may use the Platform or Services only with the involvement of Your parent or guardian. Additionally, by agreeing to these Terms of Use, You represent that You are an Indian resident and have a valid and subsisting right, authority and capacity to enter into these Terms of Use and to abide by all of the terms and conditions contained herein. You also undertake that You are not impersonating any person or entity, or falsely stating or otherwise misrepresenting identity, age or affiliation with any person or entity. Sparsh InfoSystem reserve the right to terminate Your account and / or refuse to provide You with access to the Platform if it is brought to Our notice or if it is discovered that You do not qualify the eligibility criteria provided herein.

II. Registration and Your Sparsh InfoSystem Account:
a. You agree and understand that You are responsible for maintaining the confidentiality of the Account information i.e., Your password which, together with Your e-mail address (“User ID”), allows You to access the Platform. This User ID and password, together with any mobile number or other information You provide form Your "Registration Information." You agree to:

• provide only current, accurate and complete information about Yourself in the course of registering to use the Services and
• maintain and promptly update the Registration Information, as necessary, to keep it true, accurate, current, and complete at all times. If You provide any information that is untrue, inaccurate, not current, or incomplete, or there are grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, we may suspend or terminate Your Account and refuse any and all current or future use of the Services (or any portion thereof) and You will not have any cause of action against Us for such suspension or termination of Your Account. You agree that Sparsh InfoSystem shall not be liable or responsible for the activities or consequences of use or misuse of any information that occurs under Your Sparsh InfoSystem recharge Account in cases, including, where You have failed to update Your Registration Information including Your revised mobile phone number and/or e-mail address on the Platform.

b. If You share or allow others to have access to Your Sparsh InfoSystem Account, by creating separate profiles under Your Account, or otherwise, they will be able to view and access Your Account information. You shall be solely liable and responsible for all the activities undertaken under Your Account, and any consequences therefrom. You may be held liable for losses incurred by Sparsh InfoSystem or any other User of or visitor to the Platform due to authorized or unauthorized use of Your Sparsh InfoSystem Account as a result of Your failure in keeping Your Account information secure and confidential or otherwise. c. All information and instructions received from Your Sparsh InfoSystem Account will be deemed to have been authorized by You and the recipients of this information shall rely on its authenticity based on the use of Your password. You will be responsible for all actions taken by anyone accessing the services using Your username and password/one time password (OTP). d. In the event of any dispute between two or more parties as to ownership of a particular Sparsh InfoSystem Account, You agree that Sparsh InfoSystem will be the arbitrator of such dispute. Sparsh InfoSystem decision (which may include termination or suspension of any account subject to dispute) will be final and binding on all parties.

III. Verification of Information:
You understand that when You access or use the Platform or Services, We may share some or all of the information You provide with the third parties and other statutory, regulatory, and governmental authorities. By accepting these Terms of Use, You authorize Sparsh InfoSystem to request for supplemental documentation at any time (before or after Your Sparsh InfoSystem Account has been activated), in order to verify Your identity, and the accuracy of the information provided. If We cannot verify that the Registration Information is accurate and complete, We may deny Your use of the Platform and Services, or close Your Sparsh InfoSystem Account at any time.

IV. Ownership: You acknowledge and agree that the Platform, the Services, including without limitation any content available on the Platform and all trademarks, service marks and trade names and other intellectual property rights associated therewith are, and will remain, the property of Sparsh InfoSystem and its licensors, as applicable. All content related to Sparsh InfoSystem corporate and business activities, whether embedded in the Platform or otherwise, including any text, graphics, logos, button icons, images, audio clips and software, is the exclusive property of Sparsh InfoSystem or its licensors and is protected by applicable laws. The compilation (meaning the collection, arrangement, and assembly) of any and all content on the Platform and Services is also the exclusive property of the Sparsh InfoSystem and is protected by applicable laws.

All software used on the Platform and the Services is the property of Sparsh InfoSystem or its licensors / software suppliers and protected by Indian and international copyright laws. Any use except as specifically permitted under these Terms of Use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the content on the Platform or the Services is strictly prohibited. All graphics, logos and service names are trademarks of Sparsh InfoSystem or its affiliates. Our trademarks should not be used in connection with any product or service without obtaining authorization from Sparsh InfoSystem, in any manner that is likely to cause confusion among Our customers, or in any manner that disparages or discredits Sparsh

InfoSystem. The logos and trademarks of third parties on the Platform belong to respective third parties / brands.