This document / agreement / terms of use (“Agreement” / “Terms”) sets forth the general terms and conditions that apply to the access and use of website at https://www.getonecard.app/ (“Website”) and its mobile application ‘OneCard’ (“App”) operated and managed by FPL Technologies Private Limited and may include its affiliates (“FPL”/ “Company” / “we” / “us” / “our”). The Terms constitute a legally binding agreement between users accessing the App / Website (“you” / “your” / “user”) and Company regarding your use of the App, Website and other associated services.
This Agreement is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011 and any amendments made thereunder, that provides for the due diligence to be exercised for the access or usage of App and Website.
By accessing the App / Website or registering your information on App / Website, the users agree to be bound by these Terms. The Terms along with Privacy Policy describes our relationship with you will be subject to the rules, guidelines, policies, terms, and conditions applicable to any specific service that is provided by the App / Website and they shall be deemed to be incorporated into these Terms and shall be considered as part and parcel of these Terms. By accessing the Website / App, you agree to be bound by these Terms. You hereby represent and warrant to the Company that you are at least eighteen (18) years of age or above and are capable of entering, performing and adhering to these Terms and that you agree to be bound by the following terms and conditions. While individuals under the age of eighteen (18) years may utilise the Services of FPL, they shall do so only with the involvement and guidance of their parents and / or legal guardians.
The Company reserves the right, at its discretion, to change, modify, add, or remove portions of (i) these Terms at any time by posting the amended Terms; and (ii) contents on App / Website. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and will not affect the validity and enforceability of any remaining conditions. Please check these Terms periodically for changes. Your continued use of the App and Website after the posting of changes constitutes your binding acceptance of such changes. In addition, when using any particular services, you may be subject to any posted guidelines or rules applicable to such services. All such guidelines or rules are hereby incorporated by reference into the Terms. If you do not agree with the Terms, please do not use this Website, App or Services.
Capitalized terms used in these Terms, shall have the meanings ascribed to them in these Terms. Services-specific definitions, if any, shall be included in the applicable Services terms of use / terms and conditions.
PLEASE READ THESE TERMS OF USE. BY ACCESSING OR BY CLICKING ON ‘SUBMIT’ / ‘I AGREE’ OR ANY SIMILAR TAB ON THE APP / WEBSITE, YOU AGREE TO THESE TERMS CONTAINED HEREIN CONSTITUTES WHICH FORMS THE AGREEMENT BETWEEN YOU AND THE COMPANY FOR THE SERVICES AS DEFINED HEREUNDER.
- Scope of Services
These Terms apply to your use of App / Website published by Company, to provide you services which includes (i) fetching your credit score from various credit information companies registered under the Credit Information Companies (Regulation) Act, 2005 (“CICs”) and accordingly facilitating financial products like co-branded credit cards, details of which are provided in separate partner regulated entities (“RE”) Most Important Terms and Conditions (“MITC”), Terms and Conditions (“TnC”); and (ii) other services (collectively, “Services”).
Your continued usage of the Services from time to time would also constitute acceptance of the Terms including any updation or modification thereof and you would be bound by this Agreement.
You agree and authorize Company to share your information with its group companies and other third parties, in so far as required for joint marketing purposes / offering various services / report generations and / or to similar services to provide you with various value-added services, in association with the Services selected by you or otherwise. You agree to receive communications through emails, telephone, Whatsapp and / or SMS, from the Company or its third-party vendors/business partners/marketing affiliates regarding the Services / ancillary services updates, information / promotional emails and / or product announcements. In this context and subject to applicable law, you agree and consent to receive all communications at the mobile number provided by you, even if this mobile number is registered under DND / NCPR list under regulations of Telecom Regulatory Authority of India. For that purpose, you further authorize Company to share / disclose the information to any third-party service provider or any affiliate, its group companies, authorized agents.
Company will retain and use your information as necessary to comply with our legal obligations, resolve disputes and enforce our agreements entered into for providing Services and ancillary services.
- Eligibility
By registering with the Company and using the Services, you are representing that:
a. You are eighteen (18) years of age or older;
b. You are capable of entering into a legally binding agreement, and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered by the Company;
c. You are not barred or otherwise legally prohibited from accessing or using App and / or Website under the laws of Republic of India;
d. If you allow anyone to use your account, including individuals under eighteen (18) years of age, you will be responsible for ensuring that such individuals comply with these Terms. You will be responsible for all actions these individuals take in and / or through your account. You also acknowledge that the Company does not have the responsibility of ensuring that you meet any of the aforesaid requirements.
- Registering on App
To avail Services on, you are required to first download App from Google Play Store / IOS store, and then provide some personally identifiable information (“Registration Information”) as part of the registration process, which includes but is not limited to the following:
a. Name
b. Email address
c. Mobile number
d. Permanent Account Number (PAN)
e. Date of Birth
f. Gender
g. Address
h. Photograph by way of selfie
i. CIC bureau data
j. Bank account details
Additionally, Company shall ask for the following permissions (one time access) for App’s functionality:
a. SMS and phone for SIM binding
b. Camera and microphone access
c. Location access for location verification
The Company may require you to provide additional details, as and when required, in order to comply with any applicable regulatory requirement or for additional services / products via the App as and when offered, and may also utilize data lawfully obtained from third party service providers authorised by you.
On completion of the above process and successful evaluation and assessment of your application or request to avail the Services, you will be a registered user of App, which allows you to access and use the Services provided in the App.
By providing us with your email address and mobile number, you consent to receiving Service-related notices, including any notices required by law, in lieu of communication by postal mail. We may also use your email address or mobile number to send you other messages, including changes to features of the Services as well as any special offers on our own products.
You shall provide true, accurate, current and complete information about yourself and undertake to inform / update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services and any ancillary services by or through Company. You agree that you will neither misrepresent your identity nor make an attempt to make unlawful access to the App / Website or unlawful use of the Services.
- Submitted Content
By sharing or submitting any content including any data and information on the App and / or Website, you agree that you shall be solely responsible for all content you post on the App and / or Website, and Company shall not be responsible for any content you make available on or through the App and / or Website. At Company`s sole discretion, such content may be included in the Services and any ancillary services (in whole or in part or in a modified form). With respect to such content you submit or make available on the App and / or Website, you grant Company the right to use, share and provide such data with third parties for effective provision of Services. You agree that you are fully responsible for the content you submit.
- Authentication
While completing the registration process you will be provided with a one-time password (“OTP”), Personal Identification Number (“PIN”) to be set up by you or any other authentication code 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, the Company shall not be responsible or liable for any loss or damage that may occur resulting from such disclosure. You agree to immediately notify us of any unauthorised use of your password or of your account or any other breach of security, by sending such details to us on reportfraud@fplabs.tech. You further agree that Company shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or access occurred solely due to reasons directly attributable to Company.
You are responsible for any access to the App through your account, whether such access is directly by you or through any third party. You will also be responsible and liable to us for all activities that take place or occur through and in your account.
You agree that your ability to log into your account is dependent upon external factors such as internet service providers and internet network, and the Company shall not be liable for any damages or consequences arising from your inability to log into your account.
- Your use of App and Website
When you use App / Website, you are representing to the Company that:
a. Your use of App / Website shall not violate any applicable law or regulation;
b. All registration information you submit is truthful, complete and accurate;
c. Your use of App / Website, or its content is only for personal purposes. Your personal and non-commercial use of the App / Website prevents you from decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with our App, including copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices;
d. You shall not access or use App / Website in any manner that may be harmful to the operation of App / Website or its content;
e. You shall not use any product or service available on App / Website for commercial purposes, or use the Services in any way that is unlawful, or harms the Company or any other person or entity;
f. You will not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus or other harmful component, or otherwise impair or damage App / Website or any connected network, or otherwise interfere with any person or entity’s use of App / Website;
g. You will not delete or modify any content of App / Website, such as legal notices, disclaimers or proprietary notices, copyright or trademark symbols and logos;
h. Your use of App / Website / Services shall indicate that you have provided consent to automatically receive requested updates such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, “Updates”), for the purpose of effective delivery of Services. Please note that your continued use of App / Website following such Updates would mean deemed acceptance by you of the same. The Company shall not be liable for the use of any older version of App / Website by you. It shall be your responsibility to update the App on a regular basis;
i. You are prohibited from hosting, displaying, uploading, modifying, publishing, storing, updating, sharing, posting or transmitting to or through App / Website any information: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic or other material or content that would violate rights of publicity and / or privacy or that would violate any law or that harms minors in any way; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party; (iv) contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; (v) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognizable offence, or prevents investigation of any offence, or is insulting other nation; (vi) impersonates another person; (vii) is illegal in any other way; (ix) insulting or harassing on the basis of gender, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence; (xi) is harmful to child; (xii) deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any misinformation or information which is patently false and untrue or misleading in nature; (xiii) impersonates another person; and/or (xiv) violates any law for the time being in force;
j. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to App / Website.
- Violation of Terms and / or Suspicious Activity
We reserve the right to suspend your access to the App / Website (temporarily or permanently) and / or further delete your account, in the event, we have a reason to believe that:
a. you have violated any of the conditions as mentioned under these Terms or our Privacy Policy;
b. there is suspicious or unusual activity being carried out through your account.
You agree to provide true, accurate, current and complete information about yourself as and when prompted by the App. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or Company has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, Company shall have the right to suspend or terminate your account and / or refuse any and all current or future use of the App, Website (or any portion thereof) or Services in connection thereto.
You may reach out to the Customer Experience Team on help@fplabs.tech at any time for assistance with any query or question arising as a result of the afore-mentioned suspension/deletion to resolve the same
- Use and Protection of Intellectual Property Rights
Services and all content on the App / Website including text, graphics, logos, button icons, audio and video clips, digital downloads, data compilations and software are the property of the Company and are protected by copyright, trademarks, patents, trade secret and / or other intellectual property laws. No information, content or material from the App / Website may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without the Company’s express written permission.
When you upload, submit, store, send or receive content that may include feedback to or through our App / Website, you grant the Company a worldwide, perpetual license to use, host, store, reproduce, modify and create derivative works of such content. This license shall not revert to you even if it is not used by the Company. The rights you grant to Company under this license are for the limited purpose of operating, promoting, and improving the Services, and to develop new ones. Subject to applicable law, this license continues even if you stop using the Services or delete / uninstall App from your mobile resource.
- License and App / Website Access
You acknowledge that the Services may contain information which is designated confidential by Company and that you shall not disclose to any person or third party such information without Company`s prior written consent. The contents of the Website, including its “look and feel” (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are the owned / licensed by / to Company and / or its third party service providers / their licensors and are duly protected by them under applicable copyright, trademark and other laws.
Company grants you a limited license to access and make use of the Website, the Services and any ancillary services subject to your compliance with these Terms. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party or to create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Services. Any unauthorized use by you shall terminate the permission or license granted to you. This license does not include (i) any resale or commercial use of the App, Website or its content; (ii) any collection and use of any product listing, description or pricing; (iii) copying of account information for the benefit of another merchant; or (iv) any use of data mining, or similar data gathering and extraction tools.
By using the App / Website you agree not to: (i) use the App, Website or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Website using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on the App, Website or bypass or restrict or circumvent other measures employed to prevent or limit access to the App and Website; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of the App and Website (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) “frame”, “mirror”, utilise or otherwise incorporate framing technologies to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of any part of the App and Website into any other website without our prior written authorization.
You shall not use a false email address, impersonate any person or entity, or otherwise mislead as to the origin of a payment instrument or other content. The Company reserves the right (but not the obligation) to remove or edit such content posted on App or Website.
If you post content or submit material and unless we indicate otherwise, you grant the Company a non-exclusive, royalty free, perpetual, irrevocable, and fully sub-licensed right to use, reproduce, modify, adapt, publish, translate, create derivative work from, distribute, and display such content throughout the world in any media. You grant the Company the right to use the name that you submit in connection with such content on the App / Website. You represent and warrant that (i) you own all the rights or otherwise or control all of the rights to the content that you post; that the content is accurate; (ii) the use of the content to supply does not violate these Terms and will not cause injury to any person or entity; and (iii) you will indemnify the Company for all claims resulting from the content you provide / post on the App / Website. The Company takes no responsibility and assumes no liability for any content posted by you or any third party.
- Disclaimer of Warranties and Limitation of Liability
You agree that the Company provides the App and Website on an “as is”, “with all faults” and “as available” basis. No representations, warranties or guarantees whatsoever are made by the Company as to the (i) accuracy, adequacy, reliability, completeness, suitability or applicability of the information to a particular situation; (ii) that the service will be uninterrupted, timely, secure, or error-free; (iii) the quality of any services, content, information, or other material on the Website or App will meet your expectations or requirements; (iv) any errors in the Website or App will be corrected; (v) warranties against infringement of any third party intellectual property or proprietary rights; or (vi) other warranties relating to performance, non-performance, or other acts or omissions of the Company, its officers, directors, employees, affiliates, agents, licensors, or suppliers.
The Company does not warrant that any of the software used and or licensed in connection with the App or Website will be compatible with other browsers, third party software or devices nor does it warrant that operation of the Website and App and the associated software will not damage or disrupt other software or hardware.
We have tried to maintain high standards in quality, clarity, and accuracy of the material posted on the Website. The Company is not legally responsible for the same in any matter whatsoever. Employees, partners, and associated staff of the Company are not accountable for any loss, harm, or damage due to usage of information from the portal. Customers and users are advised to use their own discretion in such matters. The information provided on the Website is of financial, and legal nature. It is a mutual understanding that customer’s association with the Website will be at the customer’s preference and risk.
It is made abundantly clear that the Company, its directors, shareholders, officers and employees are in no way responsible or liable for any one for his / her investment decisions, credit or any financial decision(s), and every user shall be solely responsible for the consequences of his / her decision(s).
The Company, its affiliates, successors, and assigns, and each of their respective investors, directors, officers, employees, agents, and suppliers (including distributors and content licensors) shall not be liable, at any time for any, direct, indirect, punitive, incidental, special, consequential, damages arising out of or in any way connected with the use of the Website or App, whether based in contract, tort, strict liability, or other theory, even if the Company have been advised of the possibility of damages.
The Company shall not be liable or responsible for any wrong analysis or information provided by CICs or partner REs.
- Indemnity
You agree to indemnify and hold Company (and its affiliates, officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys’ fees, or arising out of or related to your breach of these Terms, your violation of any law or the rights of a third party, or your use of the App and Website.
You shall not sue or otherwise make or present any demand or claim, and irrevocably, unconditionally and entirely release, waive and forever discharge the Company, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Release”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which you ever had, now have, or in the future may have against the Release with respect to the Services. You agree to defend, indemnify, and hold harmless the Release from and against any and all Losses resulting from claims made against the Company by third parties arising from and in connection with these Terms or Services.
- Waiver
Any failure or delay by the Company to enforce or exercise any provision of these Terms, or any related right, shall not constitute a waiver by the Company of that provision or right. The exercise of one or more of Company’s rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to the Company under these Terms or in law or at equity. Any waiver of any provision shall only be effective if made in writing and executed by a duly authorized officer of the Company.
- Redirects, Third Party Links and Offers
When you use the App or Website, you may access a link that directs you to a third-party website or resource. Such websites or resources are not controlled by the Company and different terms of use and privacy policy may apply for accessing / using such websites or resources. Since the Company has no control over such third party websites and resources, you acknowledge and agree that Company is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource. Your interaction with any third party accessed through the App / Website is at your own risk, and Company will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties. The Company disclaims all liability arising from your access to or use of such third-party sites.
- Force Majeure
If performance of Services, App or Website by the Company is prevented, restricted, delayed or interfered with by reason of labour disputes, strikes, acts of God, floods, lightning, severe weather, pandemic, epidemic, shortages of materials, rationing, inducement of any virus, malware, trojan or other disruptive mechanisms, any event of hacking or illegal usage of the App or Website, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of Company and could not have been prevented by reasonable precautions, then the Company shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by the Company of its obligations herein or incur any legal liability on the Company.
- Conflict, Governing Law and Jurisdiction
If there is a conflict or ambiguity between any provision under these Terms and the terms of MITC / TnCs / any other Services related specific terms, the terms of the relevant and applicable MITC / TnCs / Services related specific terms shall prevail.
The App, Website, Services, all your transactions with the App, and our relationship shall be governed by the laws of Republic of India, without regard to conflict of law principles. You agree that all claims, differences and disputes which we may have shall be subject to the exclusive jurisdiction of the competent courts located in Pune, Maharashtra, India.
- Electronic Communication
When you visit https://www.getonecard.app/ or send emails to us, you are communicating with us electronically, and you consent to receive communication from us electronically. We will communicate with you by e-mail or by posting notices on our website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing.