• severely inhibit our ability to serve you properly and in such case, we may have to refuse the booking altogether, or
• unreasonably restrict us to service your booking (if a booking is already made) which may further affect your trip or may compel us to cancel your booking

• Transactional history (other than banking details) about your e-commerce activities, buying behavior.
• Your usernames, passwords, email addresses and other security-related information used by you in relation to our Services.
• Data either created by you or by a third party and which you wish to store on our servers such as image files, documents etc.
• Data available in public domain or received from any third party including social media channels, including but not limited to personal or non-personal information from your linked social media channels (like name, email address, friend list, profile pictures or any other information that is permitted to be received as per your account settings) as a part of your account information.
• Information pertaining any other third party you registered through TRIPMONEY account. In such case, you must confirm and represent that each of the person who you have registered thorough your TRIPMONEY account has been made, has agreed to have the information shared by you disclosed to us and further be shared by us with the concerned service provider(s).
• If you request TRIPMONEY to share your lead with business partner, then copies of your PAN card, GSTN registration, passport, adhaar card, bank statements, originals of the filled in application forms, photographs, and any other information which may be required by the respective business partner to process your credit card or loan application.

• confirm your applications with respective business partners;
• keep you informed of the application status;
• send confirmations of your applications either via sms or Whatsapp or any other messaging service;
• send any updates or changes to your application(s);
• allow our customer service to contact you, if necessary;
• customize the content of our website, mobile site and mobile app;
• request for reviews of products or services or any other improvements;
• send verification message(s) or email(s);
• validate/authenticate your account and to prevent any misuse or abuse.
• contact you on your birthday/anniversary to offer a special gift or offer.

Surveys:

• The Facility is provided to borrower for travelling (“Trip Money”) through Merchant on the mobile application, website or any other online platform owned and/ or operated by the Merchant (“Merchant Platform”).
• For the avoidance of doubt, the bank shall provide the Facility for enabling to travel/book tickets through Merchants to travel through a Merchants technology platform. The Merchants technology platform shall act as an intermediary between borrower and Bank.
• Borrower acknowledge and agree that merely by accessing the Merchant Platform or applying for the Facility, borrower would not be entitled to avail the Facility. Bank will have the right to determine my/our eligibility to avail the Facility either on its own or through its agents or third-party service providers, and in this regard, would require me/us to provide certain information and documents.
• Borrower acknowledge to have given consent to the Bank to disburse the Facility amount to the Merchant’s Account as Merchant will be booking tickets for borrower’s travel plan and in event of any cancellation, suspension of said travel plan, borrower shall immediately repay the loan amount to the Bank.
• For the purposes of ascertaining my/our eligibility to avail the Facility, Bank shall have the right to (either directly or through its agents or third party service providers, and in this regard has authorized Bank as its third party service provider) to, evaluate and examine: (i) the information and documents provided by me/us at the time of availing the Facility; and (ii) the information and documents available with the Merchant/ Bank prior to our application for availing the Facility; (collectively, “User Information”), and in doing so, transfer this User Information to Bank and/or Bank’s affiliates, agents and third party service providers that are engaged by Bank in this regard. Borrower’s acknowledge and agree that the User Information may be transferred to and used by Bank and/or Bank’s affiliates, agents and third party service providers that are engaged by Bank for the purposes of the extension of the Facility, including for the purposes of determining borrower’s eligibility to avail the Facility, determining the quantum of the Facility that may be availed by the borrower and the repayment schedule (“Repayment Schedule”) that may be offered to the Borrower. While undertaking such evaluation, We, the Bank, the third- p a r t y service provider and/or Our agent shall have the right to evaluate such other information and documents concerning me/ us that is available with it, as it deems appropriate. At all times, my/our information will be treated by Bank in accordance with Applicable Law, these Facility Terms and Our privacy policy.
• Borrower’s acknowledge and agree that Bank may cancel/ suspend/ terminate the Facility (whole or part) at any time, with or without prior notice to Borrower. Any outstanding amounts to be paid to Bank by Borrower, under the Facility, shall continue to be governed by these Facility Terms.
• Borrower’s warrant that all the information provided for availing the Facility, shared with the Bank by borrower and on the Merchant’s Platform is accurate and up to date. Bank can verify the borrowers Information and choose to refuse extension of the Facility to You.
• Borrower agree’ s to use the Facility only for purposes that are permitted by these Facility Terms and any applicable laws as amended from time to time.
• Borrower hereby acknowledges and agrees to immediately notify Bank in case of any change in the communication details registered with the Bank including Home address, E-mail address, Phone number etc.,
• Bank retains the right to offer the Facility to the borrower for such period as deem appropriate and retains the right to withdraw the offer of the Facility at any point in time.

• b)The repayment of the Loan is by Post Dated Cheques(“PDCs”),Standing Instructions(SI)/ Electronic Clearing System (ECS) instructions/other mode/instrument, as acceptable to the Bank from time to time or other mode of payment, the Borrower undertakes to honour all payments on the scheduled due dates and shall not instruct their bankers for stop payment. The Borrower shall be liable to pay cheque bounce charges for each cheque bounce/dishonour/other mode charges.
• c) The Borrower understands and agrees to the Bank method of calculating Equated Monthly Instalments (“EMI”) and agrees not to dispute the same, at any time in future.
• d)The Borrower shall pay a non-refundable Processing Fee with upfront EMI as specified in the Sanction Letter OR Non-refundable Processing Fee with upfront EMI shall be deducted by the Bank
• e)The Borrower has executed by way of collateral security, Demand Promissory Note (DPN) for the repayment of the Loan along with interest thereon. In case of any default, the Borrower shall without prejudice to the Bank’s right and remedies, pay additional/default interest at the rate mentioned in the Schedule hereto/Application or as may be prescribed by the Bank., over and above the then applicable rate of interest till full payment is made/default is cured. This liability shall not act as justification for any default.
• f)Any Payments made by/on behalf/for the Borrower or any realizations in relation to the Loan, security, shall be appropriated towards the Outstanding Balance and /or Liabilities (as defined hereinafter) in the following order: (i) Firstly, towards costs and expenses incurred by the Bank; (ii) Secondly, towards any charges, commissions, fees, taxes, levies (wherever applicable); (iii) Thirdly, towards additional/default interest; (iv) Fourthly, towards interest; (v) Fifthly, towards principal amount(s). Any statement of account furnished by the Bank shall be accepted by and be binding on the Borrower(s) and shall be conclusive proof of the correctness of the amounts mentioned therein except for any manifest error therein.
• g)The Borrower unconditionally consent and authorizes the Bank to raise debits for such amounts as may be calculated by the Bank from time to time and undertake to maintain sufficient balances to cover the Loan Repayment Dues (and charges, if any) on the stipulated due dates. Borrower is aware that failure to repay loan amount through these instruction shall be treated as a default in repayment of dues and all charges /penalties /levies as covered by the agreement will hold good towards the non-payment of obligations.
• h) The Borrower further undertakes that in the event of the above account getting closed / transferred for any reason, the Borrower shall intimate to the Bank the new account opened with the bank to debit the Loan Repayment amounts as per the agreement. Borrower also undertakes the responsibility to provide the fresh set of Mandate and security PDC's for such new account, as per terms of the agreement in lieu of existing instructions.

• a)In the Event of Default, the Bank/IDFC First shall also be entitled to communicate in any manner it may deem fit, to or with any person or persons including guarantors, person giving reference to loan, with a view to procure assistance of such person or persons in recovering the defaulted amounts including but not limited to visiting the property and/or any place of work of the Borrower.
• b)The Bank will limit the collection and use of customer information only on a need­to­know basis to deliver better service to the customers. The Bank may use and share the information provided by the Customers with its Affiliates and third parties for providing services and any service­related activities such as collecting subscription fees for such services and notifying or contacting the Customers regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the customer information to one or more agents and contractors of the Bank and their sub­contractors, but such agents, contractors, and sub­contractors will be required to agree to use the information obtained from the Bank only for these purposes. The customer authorizes the Bank to exchange, share, part with all information related to the details and transaction history of the customer to its Affiliates/ other banks/ financial institutions/ credit bureaus/ agencies/ participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management or any of the aforesaid purposes and shall not hold the Bank liable for use or disclosure of this information also the customer consents to receive information about new products, offers, promotions, receive communications, notices, and other information from the Bank and its agents/service providers/partners etc.(whether through SMS, emails, phone call, automated phone calls or by any other means . The Bank values your relationship and will at all times strive to ensure your privacy.

• (a)These Facility Terms shall be governed by, and construed in accordance with, the laws of India, without reference to principles of conflicts of law. The Courts of Mumbai shall have exclusive jurisdiction over any dispute arising from or relating to these Facility Terms and/or in relation to the Facility.
• (b)Borrower expressly consent to the jurisdiction of said Courts and waive any objection to such personal jurisdiction based on forum inconvenience or any other basis.