Dreamplug Technologies Private Limited, is a company incorporated under laws of India with its registered office is at 404 Uphar II CHS Ltd., Plot No.5, BHD Sanjeeva ENCL, 7 Bunglows, Near Juhu Circle, Mumbai, Maharashtra, India – 400061, business Prefr division (hereinafter referred to as “DTPL”, "Company", “Us” or “We”). The Company is the owner of the mobile application under the name and style ‘Prefr’ and website, https://prefr.com/, (hereinafter collectively referred to as the "Platform" ).As a user ("User") of this Platform, the User understands that DTPL provides access to the Users to various financial products, including but not limited to, personal/consumer loans, credit cards, insurance etc., offered by the financial partners of DTPL with a view to facilitate lending and borrowing activities. It is hereby clarified that the term "Users" or “You” used under these Terms & Conditions shall mean and include any person accessing the Platform merely for browsing or for the purpose of availing product offered by the financial partners of the Company. This document/agreement/understanding is an electronic record in terms of Information Technology Act, 2000 and is 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) Rules, 2011. Your use of this Platform implies that You have read, understood and agreed to abide by following, disclaimer, terms & conditions ("Terms & Conditions"). These Terms & Conditions together with our privacy policy as provided on the Platform ("Privacy Policy") govern your usage of the Platform and is a legally binding agreement between You, and the Company. The Terms & Conditions are governed by the provisions of the applicable Indian laws, the rules, regulations, guidelines, and clarifications framed thereunder, and the terms contained herein expressly supersede all prior agreements or arrangements between the Company and the Users in relation to the browsing or usage of the Platform. If You disagree with any part of these Terms & Conditions or the Privacy Policy, please do not use the Platform.

The Company reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms & Conditions or to impose new conditions without prior notice, and your continued access or use of the Platform signifies your acceptance of the updated or modified Terms & Conditions. If you object to these Terms & Conditions or any subsequent modifications to these Terms & Conditions or become dissatisfied with the Platform in any way, your only recourse is to immediately terminate use of the same without any liability to the Company.

You further understand that access to the Platform and the offer of any services is conditional upon your irrevocable consent and acceptance of the terms contained herein (as may be amended from time to time).

1. General

The Platform provides the Users access to various financial products offered by the financial partners of the Company (“Lending Partners”). DTPL is merely a facilitator providing the Platform to any person in need of financial products and does not directly provide any financial services to the Users. DTPL is not an organization registered with the Reserve Bank of India or with the Insurance Regulatory and Development Authority of India and does not hold any license to engage in any activities relating to lending or borrowing or insurance distribution. DTPL is not a Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India. DTPL is also not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.

The Company is a service provider facilitating the provision of financial products from Lending Partners to individuals desirous of availing such financial products (“Services”). Any financial products offered on the Platform are subject to such terms and conditions as applicable and as may be notified from time to time or amended at any time without notice, by the Lending Partners. The final decision as regards lending and borrowing and all other financial services is subject to the determination of the Lending Partners and is not determined by the Company.

The content (material, information, data, news items, texts, graphics, links etc.) (“Content”) contained on the Platform is provided for general information only and should not be used as a basis for making business/commercial decisions. You are advised to exercise due caution and/or seek independent advice before availing any facility or entering into any financial obligation based on the Content contained on the Platform.

The Content contained on the Platform or other terms are provided on an "as is", "as available" basis and are protected by copyright. You may not distribute the Content to others without the express written consent of the Company. You may not copy, download, publish, distribute or reproduce any of the Content contained on the Platform in any form without prior permission of the Company.

In the event You wish to avail any of the financial products displayed on the Platform, You will be required to provide certain information and the Company representatives will contact You through phone or email to understand your requirements.

2. Eligibility

The User of this Platform unequivocally declares and agrees that the User is a natural / legal person who has attained the age of at least 18 years and is legally allowed to enter into a contract in India. The User is allowed to utilize the Services of the Company in accordance with the terms and conditions detailed under these Terms & Conditions. If the User violates any of these Terms & Conditions, or otherwise violates an agreement entered into through the medium of the Platform, the Company may terminate the User’s membership, delete his/her profile and any content or information posted online by the User on the Platform and / or prohibit the User from using or accessing the Platform at any time in its sole discretion, with or without notice, including without limitation if the Company determines that the User is under the age of 18 years.

3. Your Account

If You wish to use the Platform, You are required to maintain an account and will be required to furnish certain information and details, including Your name, email id, contact number and any other information deemed necessary by the Company. You are responsible for maintaining the confidentiality and security of Your account, password, activities that occur in or through Your account and for restricting access to Your computer to prevent unauthorized access to Your account. You agree to accept responsibility for all activities that occur under Your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform Us immediately if You have any reason to believe that Your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorized manner. Please ensure that the details You provide Us with are true, correct, accurate and complete. Upon DTPL gaining knowledge or having any reasonable suspicion that the information provided by You is wrong, inaccurate or incorrect, DTPL shall immediately terminate Your account without any notice to You in this regard. In the event of any changes to the information shared by You at the time of registering on the Platform, You shall be responsible for forthwith notifying the said changes to Us. You can access and update most of the information You provided Us on the ‘dashboard’ area of Your account after You log-in or by writing to Us at wecare@prefr.com The right to use this Platform is personal to the User and is not transferable to any other person or entity.