Learn about the Terms & Conditions at ffreedom app

Welcome to https://ffreedom.com (“Website”) owned and operated by SuvisionHoldings Private Limited (ffreedom App), a Company incorporated under the provisions of the Companies Act 1956 and having its registered office at No.50,Vinay Arcade, 4th Floor, K H Road, Bangalore-560027.

This document is an electronic record in terms of Information Technology Act, 2000and published in accordance with Rule 3 of Information Technology(Intermediateness guidelines) Rules, 2011.

These terms and conditions (“User Agreement”) apply to Users, Consumers andAssociates (you) who visit to and use, the ffreedom.com Website (“Website”),services offered by the website or by its applications or by its partner institutions,through a mobile phone or computer or any other similar device. By downloading,browsing, accessing or using the Website, User agrees to be bound by this User Agreement and privacy policy as available in the website. Company reserves the right to amend these Terms and Conditions of use at any time. It is strongly recommended for you to return to this page periodically to review the most current version of the Terms in force. your continued access or use of this Website signifies your assent/ratification of the updated or modified Terms. If User disagrees with any of these Terms and Conditions of use, they must immediately discontinue their access to the Website. User’s use of the services offered by the Website or by its applications or by its partners will constitute acceptance of these Terms and conditions and no separate document will be executed.

By using, browsing and accessing any of the ffreedom App platform, user herebyagrees to be bound by these terms and conditions in addition to the respective platform’s terms of use.

i. Associate : shall mean and include any legal or natural person, company,partnership firm who are a financial advisor, insurance agents and other individuals. They are also called the Service Provider.

ii. Company : Company shall mean and include M/s. Suvision Holdings Private Limited registered and incorporated as per Companies Act, 1956.

iii. Consumer : shall mean and include the individuals who consume the services provided by the company through its various platforms i.e., websites and applications.

iv. LeadMarket App : Lead Market App is a mobile application offered by the Company for Associates. It is a self-serviced application wherein Associates can buy the potential leads on their own based on their preferences and requirements by creating and recharging their LeadMarket account.

v. ffreedom App : ffreedom App is the Financial and Livelihood Education platform to spread awareness and knowledge among peopleby featuring well explained video courses shot with the experts of various fields i.e., personal finance, career, business, farming and life skills.

vi. Demonstration Center (DC) : is one of the features provided by the ffreedom App which provides opportunity to learn through practical industry knowledge.

vii. Lead : Lead shall mean and include the requirement details and the location ofthe Consumer who are interested and ready to connect with any Service Provideror Associate for availing their services and whose details are uploaded on the Lead Market App. Mobile number and address of the Consumer shall not be displayed in the Lead for the first time. In the event Service Provider/Associatewants to contact the Consumer, they shall opt to call the Consumer directly through the call option available in the Lead Market App.

viii. Lead Purchase : Lead Purchase shall mean and include purchase of the lead (i.e.,getting details of the individual who is interested to avail associate’s services) by Associate through their LeadMarket Account.

ix. Service Provider profile listing : shall mean and include profile listing service provided by the company complementary to its Lead Market registered associates, whose profile would be listed on company’s platform sp.indianmoney.com to display their products for their users.

x. User : shall mean any legal or natural person who has visited ffreedom.com Website

x. ffreedom App Platforms : shall mean and include Lead Market App, ffreedom App, Financial Freedom Influencer App, www.ffreedom.com,sp.indianmoney.com.

ffreedom.com provides the following services to its users, consumers and Associates:

a) To Consumers and Users : provides free financial education to the consumerson various financial products to ensure that the consumers are not misguided while buying any kind of financial products. ffreedom.com is not a seller of anyfinancial products. By leaving a missed call on ffreedom.com helpline number orby submitting a request on the Website, you hereby authorize ffreedom.com Wealth Doctors (trained professional of ffreedom.com who will educate the public on financial education.) to call or SMS you in connection with your application(financial education). Upon providing the financial education our Wealth Doctorsmay collect certain information such as your name, phone number, date of birth,residential address etc. This personal information collected will be limited to those details necessary for the purpose identified by us. You can always refuse to give personal identification information, except that it may prevent you from accessing or engaging certain services provided by ffreedom.com.

ffreedom App also provides education and spread awareness among its consumers . It is a paid education platform whereincompany upload course videos, shot with the experts of various fields and makethem available for the consumer, as per the specified packages, to help them in their personal finance, choosing their career, business, farming, life skills etc. It alsoprovides opportunity to the users to learn from the experts of different fields through practical industry knowledge. Various industry owners can register their work centers by using the “Demonstration Center” feature of Financial Freedom Appand can make themselves available to the users of FFA for imparting practical training experience.

b) To Associates : provide leads through ffreedom App's Lead Market App. The information collected from the consumer upon providing financial education and after taking consent from the consumer if they are interested to purchase the financial product, Company transfers the consumer details to its Lead Market appand that will be available as a “Lead” for the ffreedom App registered Associates.Associates can purchase various quality leads through their Lead Market Account. Associates have to register and recharge their Lead Market account with not morethan the maximum amount allowed to buy the required leads. Along with LeadMarket registration, Associates will have the privilege to list/display their profile oncompany’s platform sp.indianmoney.com wherein complete profile of the Associates including the product and services that the respective Associate offers or is willingto offer to the customers/consumers will be listed. It is complementary to the LeadMarket account. The company makes no representations about the completeness oraccuracy of the Associate’s information. It is completely the Associate’s soleresponsibility to maintain, update their profile. Associate shall be responsible to theusers in the event of any false representations made by the Associates, Company shall not be responsible for any act of the Associate to the user by virtue of listing of Associate’s profile.

By visiting the Website, you are agreeing to be bound by these terms and conditions. By using, browsing, downloading and accessing any of the ffreedom App platform, you hereby agreeing to be bound by these terms and conditions inaddition to the respective platform’s terms of use, whether you directly accessing the respective platform or redirecting/accessing through this website.

ffreedom.com reserves the right, in its sole discretion, to deny your access to ffreedom.com or any portion/platform there of without notice for the following reasons (a) for any unauthorized access or use by you (b) if you assign or transfer(or attempt the same) any rights granted to you under this Agreement; (c) if you violate any of the other terms and conditions of this User Agreement or any of the respective platform’s user agreement.

ffreedom.com as well as the design and information contained in ffreedom.com is the valuable, exclusive property of ffreedom.com, andnothing in this Agreement shall be construed as transferring or assigning any suchownership rights to you or any other person or entity. All information on ffreedom.com is the proprietary, confidential property of ffreedom.com and cannot be repeated for any reason outside the ffreedom.com. You agree not to repeat or rebroadcast in any way any of the information made on ffreedom.com for any reason whatsoever. You agree that if you do repeat or re-post any of ffreedom.com information by any mean, you will be liable for actual and punitive damages as determined by ffreedom.com and additional damages to be determined by an Indian court of Law.

You may not resell, redistribute, broadcast or transfer the information or use the information in a searchable, machine-readable database unless separately and specifically authorized in writing by ffreedom.com prior to such use. You maynot rent, lease, sublicense, distribute, transfer, copy, reproduce, publicly display,publish, adapt, store or time-share ffreedom.com, any part thereof, or any of the information received or accessed there from to or through any other person orentity unless separately and specifically authorized in writing by ffreedom.com prior to such use. In addition, you may not remove, alter or obscure any copyright,legal or proprietary notices in or on any portions of ffreedom.com without priorwritten authorization except as set forth herein, any other use of the information contained in ffreedom.com requires the prior written consent of ffreedom.com (Suvision Holdings Private Limited) and may require a separatefee.

Neither ffreedom.com nor its and their directors, employees, affiliates, agents,representatives or sub -contractors will be liable for any loss or liability resulting,directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes,walkouts, fire, acts of God, riots, armed conflicts, acts of war, or other like causes.ffreedom.com shall have no responsibility to provide you access to the website while interruption due to any such cause.

You expressly agree that use of the Website is at your sole risk. The contents,information, software, products, features and services published on this websitemay include inaccuracies or typographical errors. Changes are periodically addedto the contents herein. ffreedom.com and/or its respective suppliers may make improvements and/or changes in this website at any time. This website may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. ffreedom.com (and itsowners, suppliers, consultants, advertisers, affiliates, partners, employees or anyother associated entities, all collectively referred to as associated entities hereafter)shall not be liable to user or member or any third party. ffreedom.com exercise its right to modify or discontinue any or all of the contents, information, software,products, features and services published on the website.

ffreedom.com and/or its respective associated entities make no representations about the suitability of the contents, information, software, products, features andservices contained on this Website for any purpose. All such contents, information,software, products, features and services are provided "as is" without warranty of any kind. ffreedom.com and/or its associated entities hereby disclaim allwarranties and conditions with regard to these contents, information, software,products, features and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, and availability.

In no event shall ffreedom.com and/or its associated entities be liable for anydirect, indirect, punitive, incidental, special or consequential damages arising out ofor in any way connected with the use of this website or with the delay or inability touse the website, or for any contents, information, software, products, features and services obtained through the website, or otherwise arising out of the use of it,whether based on contract, tort, strict liability or otherwise, even if ffreedom.com or any of its associated entities has been advised of the possibility of damages.

We as a merchant shall be under no liability whatsoever in respect of any loss ordamage arising directly or indirectly out of the decline of authorization for anytransaction, on account of the card holder having exceeded the preset limitmutually agreed by us with our acquiring bank from time to time.

“We shall not be liable in the event associate enter into any terms and conditions with any sales representative/employee/associate of the Company outside the preview of these terms and conditions.”

If this website contains message, boards, chat rooms, calling or other message or communication facilities (collectively, "Fora"), you agree to use them only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, you agree that when using aForum, you shall not do any of the following:

a) Defame abuse, harass, stalk, threaten or otherwise violate the legal rights (suchas rights of privacy and publicity) of others.

b) Publish post, distribute or disseminate any defamatory, infringing, obscene,indecent or unlawful material or information.

c) Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights there to or have received all necessary consents

d) Upload files that contain viruses, corrupted files, or any other similar software orprograms that may damage the operation of another's computer.

e) Conduct or forward surveys, contests, or chain letters.

f) Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

You shall provide and maintain all telephone/internet and other equipmentnecessary to access the website, and the costs of any such equipment and/ortelephone/internet connections or use, including any applicable taxes, shall beborne solely by you. You are responsible for operating your own equipment used to access the website.

You acknowledge that the information provided through ffreedom.com iscompiled from sources, which are beyond the control of ffreedom.com though such information is recognized by the parties to be generally reliable, the parties acknowledge that inaccuracies may occur and ffreedom.com does not warrant the accuracy or suitability of the information. For this reason, as well as the possibility of human and mechanical errors and other factors, you acknowledge that ffreedom.com is provided to you on an "as is, with all faults" basis.ffreedom.com expressly disclaims any and all warranties, whether express, oral,implied, statutory or otherwise, of any kind to the users and/or any third party,including any implied warranties of accuracy, timeliness, completeness,merchantability and fitness for a particular purpose, as well as any warranties arising by virtue of custom of trade or course of dealing and any implied warrantiesof title or non-infringement. In addition, ffreedom.com, in providing the information makes no endorsement of any particular security, market participant, orbrokerage. Further, ffreedom.com does not represent or warrant that it willmeet your requirements or is suitable for your needs.

Under this Terms and Conditions, you assume all risk of errors and/or omissions in ffreedom.com, including the transmission or translation of information. Youassume full responsibility for implementing sufficient procedures and checks tosatisfy your requirements for the accuracy and suitability of ffreedom.com,including the lead information, and for maintaining any means, which you may require for the reconstruction of lost data or subsequent manipulations or analyses of the information under the Terms and Conditions.

You agree that ffreedom.com (including its and their officers, directors,employees, affiliates, group companies’ agents, representatives or subcontractors)shall not in any event be liable for any special, incidental or consequential damagesarising out of the use or inability to use the website for any purpose whatsoever.ffreedom.com and its affiliates, officers, directors, employees and agents shall have no liability in tort, contract, or otherwise to user and/or any third party.

The links or Advertisement in the website will allow you to leave the website.ffreedom.com has not reviewed such links or advertisements. The linked sitesare not under the control of ffreedom.com and is not responsible for the contents or omissions of any linked site or any links contained in a linked site. The inclusion of any linked site does not imply endorsement by ffreedom.com. Thirdparty links to ffreedom.com shall be governed by a separate agreement.

You shall indemnify, defend and hold harmless ffreedom.com (including its and their officers, directors, employees, affiliates, group companies, agents,representatives or subcontractors) from any and all claims and losses including attorney and court fees imposed on, incurred by or asserted as a result of or related to :

(a) your access and use of the website

(b) any non-compliance by user with the terms and conditions hereof; or

(c) any third-party actions related to users’ receipt and use of the information,whether authorized or unauthorized.

(d) any third-party action relating to the facilitation services provided outside the scope of these terms and conditions.

If Suvision Holdings Private Limited takes action (by itself or through its associate companies) to enforce any of the provisions of this Terms and Conditions, including collection of any amounts due hereunder, Suvision Holdings Private Limited shall beentitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney's fees and any costs of any litigation.

By using the Information on ffreedom.com, you assume full responsibility for any and all gains and losses, financial, emotional or otherwise, experienced, suffered orincurred by you. ffreedom.com does not guarantee the accuracy, completenessor timeliness of, or otherwise endorse in any way, the views, opinions or recommendations expressed in the Information, does not give investment advice,and does not advocate the purchase or sale of any security or investment by you or any other individual. The Information is not intended to provide tax, legal or investment advice, which you should obtain from your professional advisor prior to making any investment of the type discussed in the Information. The Information does not constitute a solicitation by the information providers, ffreedom.com or other of the purchase or sale of securities.

the service is provided "as is," without warranty of any kind, either express orimplied, including without limitation, any warranty for information, data, services,uninterrupted access, or products provided through or in connection with theservice. specifically, ffreedom.com disclaims any and all warranties, including,but not limited to: (i) any warranties concerning the availability, accuracy,usefulness, or content of information, products or services; and (ii) any warranties of title, warranty of non-infringement, and warranties of merchantability or fitnessfor a particular purpose. this disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect,delay in operation or transmission, computer virus, communication line failure, theftor destruction or unauthorized access to, alteration of, or use of record, whether forbreach of contract, tort, negligence, or under any other cause of action.

Neither ffreedom.com nor any of its employees, agents, successors, assigns,affiliates, group companies or content or service providers shall be liable to you orother third party for any direct, indirect, incidental, special or consequential damages arising out of use of service or inability to gain access to or use theservice or out of any breach of any warranty. because some countries do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. in such countries, the respective liability of ffreedom.com, its employees, agents, successors, assigns, affiliates, group companies and content or service providers respective liability is limited to the amount provided under said law. further, you agree and understand that all servicesprovided are non-refundable and that you should carefully consider whether ourservices are able to meet your needs.

If you are an Associate of Lead Market / ffreedom.com, we would like to confirm that the following terms and conditions apply to you:

1) Money Once Paid to avail the services will not be refunded.

2) We do not Guarantee any conversion of the leads served to you into sales, itcompletely depends on you and customers’ acceptance of your services.

3) Leads once purchased will not be replaceable under any circumstances

4) Associate is eligible to claim a FREE Lead per day without recharging their account.

5) Associate Profile listing on sp.indianmoney.com is a complementary service and it is solely reliable on the Associate. Company shall not be held liable forits accuracy

6) SMS, Email and App notifications are just the complementary services and ffreedom.com shall not be held liable for the non-delivery of the same.

The Company has created a separate Privacy Policy in order to explain in detail howwe collect, manage, process, secure, and store users’ personal/confidential information. Our privacy policy mentioned in the website will be applicable for useof access of the same.

You agree that any and all disputes arising out of or relation to your use of the website or ffreedom.com services, or any other dispute in relation to the use of the services offered by ffreedom.com shall be subjected to a binding arbitration,to be decided by a sole arbitrator, and shall be governed by the arbitration and conciliation act, 1996. The place of arbitration shall be Bengaluru, and arbitration proceedings shall be conducted at “arbitration & conciliation center, Bengaluru” and shall be decided by one of the panel of arbitrators at the arbitration & conciliation center, Bengaluru. By agreeing to the terms and conditions, you hereby giveconsent to choose arbitration & conciliation center, Bengaluru as the dispute resolution body, and you agree to adhere to the rules of the arbitration &conciliation center, Bengaluru.