These Terms and Conditions (“Terms”) outline the rules for accessing and using the Platform (as defined below) provided by Naffa Technologies Private Limited (“Naffa,” “we,” “us,” or “our”), a company incorporated under the Companies Act, 2013, with CIN U72900KA2021PTC152113 and its registered office located at 117, The Arcade, Brigade Metropolis, Garudachar Palya, Mahadevapura, Bangalore 560048. Before you access or use the Platform or our Services (as defined below), please carefully review these Terms. Additionally, these Terms incorporate our Privacy Policy, available at https://www.tonetag.com/privacy-policy/ (“Privacy Policy”), along with any Additional Terms and Conditions (as defined below).

These Terms have been prepared and published in compliance with the Information Technology Act, 2000 (“IT Act”), along with applicable amendments, rules, regulations, and guidelines that may be enacted under the IT Act over time. Specific reference is made to Regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (“SPDI Rules”) and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2023, as well as any other relevant national and state laws related to data processing. These Terms constitute an electronic record as defined under the IT Act, generated by a computer system, and do not require physical or digital signatures. Any future features or services added to our current offerings will also be subject to these Terms and any other relevant future legislation.

By using the Platform, you consent to the collection and use of your information in accordance with our Privacy Policy.

Your access to and use of the Platform and Services signify your acceptance of these Terms, establishing a contractual relationship between you and Naffa. If you do not agree to these Terms, you are not authorized to access or use the Platform or Services. For clarity, these Terms apply to all Services provided by Naffa.

1.  DEFINITIONS & MEANING

• “Additional Terms and Conditions” shall mean any guidelines, additional terms, policies, or disclaimers made available or issued by us, any third party or Affiliate from time to time in relation to the respective
• “Affiliate(s)” shall mean group companies, affiliates, associates, and/or subsidiaries of
• “Applicable Law(s)” means any statute, law, regulation, ordinance, rule, judgment, notification, order, decree, by-law, permit, licences, approvals, consents, authorisations, government approvals, directives, guidelines, requirements, or other governmental restrictions, or any similar form of a decision of, or determination by, or any interpretation, policy or administration, having the force of the law of any of the foregoing, by any Authority, whether in effect as on the date of you agreeing to be bound by these Terms or at any time

1.4. “Application” shall mean the application owned and operated by Naffa which shall run and operate for connected cars framework.
1.5 “Authority” shall mean any judicial, quasi-judicial, governmental authority, statutory authority, regulatory authority, government department, agency, commission, board, rule or regulation-making entity or authority having or purporting to have jurisdiction over you or us, or other subdivision thereof to the extent that the rules, regulations, standards, requirements, procedures, or orders of such authority, body, or organisation have the force of any Applicable Law or any court or tribunal having jurisdiction, including but not limited to the Reserve Bank of India.
1.6. “Device Binding” shall mean the compulsory requirement to register the user’s device as a trusted device for availing/utilising the Services, which the user shall be able to do only while the SIM for mobile phone number is installed/available in the device being registered.

• “Services” shall have the same meaning as ascribed to it under Clause 3 of these
• “SIM Binding” shall mean the compulsory requirement of the SIM for mobile phone number being installed/available in the device while the user attempts to use/avail Services.
• “Platform” shall mean the Application, devices, URLs/links, notifications, chatbot, or any other communication medium used by Naffa to provide its Services to its

2.  CRITERIA FOR ELIGIBILITY

• By accepting these Terms, you represent and warrant that (a) you have full legal capacity, right and authority to agree to and be bound by these Terms, (b) you are at least 18 (eighteen) years of age or older, (c) you have not been previously suspended or removed by Naffa or any of its Affiliates from availing the Services or have been disqualified from availing any Services, (d) you are not barred or otherwise legally prohibited from accessing or using the Services and (e) you are not and will not impersonate any person, entity or falsely state or otherwise misrepresent such person’s or entity’s identity. A person who is not competent to contract (a minor, a person of unsound mind, ) may not access this Platform and use the Services without the consent of his or her guardian. The guardian is presumed to have read these Terms to give consent on behalf of a minor and shall be bound by these Terms. If at any time, Naffa is of the opinion that you do not satisfy the eligibility criteria, including but not limited to any misrepresentation, misuse of any Service or offers, fraudulent or suspicious activities or transactions, Naffa retains all rights to disable your access to the Platform and/or suspend your use of the Services with immediate effect.
• If you represent an entity, organisation, or any other legal person, not being a natural person, you confirm and represent that you are duly authorized by the organization, the entity, the legal person, or management of such organisation, entity, or a legal person to accept these Terms have the necessary power and authority to bind such entity, organisation, or legal person to these Terms.

3.  PLATFORM AND SERVICES

• The Services include provision of the Platform by us and the access to various products and services including financial products and services, and other allied activities to you through the Platform by us (“Services”).
• The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third party or our Affiliates (“Third Party Services”), and may also include links to the Third-Party Services. You understand and acknowledge that Third Party Services are the responsibility of the respective third-party or Affiliate that renders such Third-Party Services. You further acknowledge that your use of such Third-Party Services is solely at your own risk.
• We make no representations and disclaim all warranties and liabilities arising out of or pertaining to such Third-Party Services including their accuracy or completeness. Should you avail any Third-Party Service, you shall be governed and bound by the Additional Terms and Conditions of the applicable third party or the Affiliate providing the Third-Party
• We shall send all communications to our users by text messages, electronic mails, WhatsApp messages, push notifications and/or via other progressive technology in connection with your access to the Platform, utilisation of the Services and as part of our promotional and marketing strategy. You agree to receive all messages, emails and/or WhatsApp messages including transactional messages from us, any third parties and our Affiliates. We may use third party service providers to send alerts or to communicate with you. You authorize us, our Affiliates and other entities providing Third Party Services to override the DND settings to reach out to you over calls, SMS, emails and any other mode of
• You further acknowledge that you are responsible for the contact details shared with us and shall update us on any change to your contact

4.  REGISTERATION AND ACCOUNT CREATION

• In order to avail the Services, an account will be created on the Platform by fetching your details from your employer’s human resource management system such as to your name, phone number, email address, and date of birth (“Account”). You agree to provide and maintain true, accurate, and complete information about yourself as prompted on the Platform and failure to do so shall constitute a breach of the Terms, which may result in immediate termination or suspension of your Account.
• You are solely responsible for maintaining the confidentiality of the Account details and for any activity that occur through your Account. You agree to immediately notify Naffa of any actual or suspected unauthorised use of your Account or any other breach of Naffa will not be liable for any losses or damages that may arise from your failure to comply with the above-mentioned provisions or your failure to ensure the confidentiality of your Account or password.
• We reserve the right to disable your access to the Account if, in our reasonable opinion, you are in breach of any provision of the Terms or the Applicable Law or in the event of any actual or suspected unauthorised access to your Account.

• You agree and acknowledge that the device which you use during creation of your Account, shall become your registered device and the details of such device shall be stored by us. In the event you wish to log into your Account on the Platform from a different device, you will be asked to allow Naffa to authenticate your contact number with the new device, after which the new device becomes the registered device. Your access to the Services is subject to your compliance with the Device Binding and SIM Binding requirements at all
• To use the Platform and avail the Services, and subject to our Privacy Policy, you are (where feasible), required to allow us access information that we may require to provide you with our You have the right to revoke permissions on access to your data at any time, however, it will impair your access to our Platform and the Services.
• You shall be solely responsible for ensuring compliance with Applicable Laws and shall be solely liable for any liability that may arise due to a breach of your obligation in compliance with Applicable

4.7. In the event You do not comply with these Terms or any part thereof as determined by us in our sole discretion which determination shall be final and binding, we reserve the right to terminate, suspend, block Your account or Your access to the Platform and/or any or all Services provided through or by the Platform without notice.

5.  DOCUMENTATION

• You may be required to undertake certain additional processes with us in order to avail the Services as stated In this regard, we may require you to upload documents and information (“Documents”) that may be necessary for us to ascertain your eligibility to avail the Third-Party Services.
• You authorise us, and any third-party service provider we may engage with, to process your Documents and ascertain your eligibility to avail the Third-Party Any processing that we undertake shall be in accordance with our Privacy Policy. You agree that such processing may be subject to Additional Terms and Conditions in the event a third-party processes information under this Clause.
• Further, during the Term, we reserve the right to seek any additional information, data, or documentation (collectively, “Additional Information”) that may be required to determine your eligibility to avail the Services or for the continued use of You agree to share such Additional Information promptly upon request, and further authorise us to process such Additional Information.
• You agree and warrant to provide true, complete, and up-to-date Documents and Additional Information to If we suspect that the Documents or the Additional information provided by you is unreliable or appears to be fraudulent or deficient, then we reserve the right to not provide you the Services or the Platform, as the case may be.
• Naffa does not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.
• I give my consent to download my KYC Records. I understand that my KYC Record includes my KYC Records/Personal information such as my name, address, date of birth, PAN number

6.  INTELLECTUAL PROPERTY

• All rights, title, and interest in and to the Platform and/or Services, including text, graphics, software, photographs and other images, videos, sounds, trademarks, and service marks are owned by or otherwise licensed to us. Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, non- sublicensable, royalty-free, revocable, and limited licence to use the Services in accordance with these
• All names, whether or not appearing with the trademark symbol, are trademarks that belong to us unless otherwise stated by The use or misuse of these trademarks or any other materials, except as permitted in these Terms, is expressly prohibited and may be in violation of copyright law, trademark law, and any other Applicable Law.
• The contents of this Platform are subject to copyright protection. The contents of the Platform may not be copied, recopied, reproduced, or otherwise redistributed. You should not copy, display, download, distribute, modify, reproduce, republish, or retransmit any information, text, or documents contained in this Platform or any portion thereof in any electronic medium or in hard copy, or create any derivative work based on such images, texts or documents, without our express written consent or as otherwise permitted in these

• Naffa may request you to submit suggestions and other feedback, including bug reports, relating to the Services or the Platform, from time to time (“Feedback”). Naffa may freely use, copy, disclose, publish, display, distribute, and exploit the Feedback without any payment of royalty, acknowledgment, prior consent, or any other form of restriction arising out of your intellectual property You hereby waive any rights you may have that arise out of such Feedback and agree to execute such documentation as Naffa may request to give effect to Naffa ’s rights under this Clause.
• You may upload or submit certain information, content, submissions, ideas, suggestions, proposals, plans, or other material, whether with or without our request (collectively, “Content”). You hereby grant us a non- exclusive, worldwide, perpetual, irrevocable, transferable, sublicensable, and royalty-free license to use, display, store, host, communicate, make available, modify, adapt, translate and create derivative works of the
• Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to our or any third party’s intellectual property

7.  RESTRICTED CONDUCT

• You shall not use the Platform in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, you may not:

• infringes, violate, or misappropriate any proprietary rights, including but not limited to copyrights, patents, trademarks, or trade secrets, of any party;
• except as may be provided hereunder, copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create any derivative works from, or licence the Platform;
• use the Platform to transmit any data or send or upload any material that contains viruses, trojan horses, worms, timebombs, keystroke loggers, spyware, adware, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware;
• use any robot, spider, other automated device, or manual process to monitor or copy the Platform or Services or any portion thereof;
• engage in the systematic retrieval of content from the Platform to create or compile, directly or indirectly, a collection, compilation, database, or directory;
• upload or transmit any information or content that is obscene, pornographic, paedophilic, immoral, invasive of another’s privacy, or is relating to or encouraging money laundering or gambling, an online game that causes user harm, or promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence;
• act in an abusive or threatening manner or use abusive or threatening language on or through the Platform;
• upload or transmit information or content that is harmful to children or that impersonates another person, or deceive or mislead any addressee about the origin of a message, or knowingly and intentionally communicates any misinformation or information which is patently false and untrue or misleading in nature or, in respect of any business of the Indian government, is identified as fake or false or misleading by the fact check unit of the Indian government;
• threaten the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, or public order, or cause incitement to the commission of any cognizable offence, or prevent investigation of any offence, or insult another nation in any manner;
• uses the Services in any unlawful manner, for fraudulent or malicious activities, or in any manner inconsistent with these Terms;
• reverse engineer, decompile, or disassemble the Services or the Platform;
• take any action that may adversely affect the Services or Platform; or
• violate Applicable Laws in any manner.

8.  USE OF SERVICE AND PLATFORM-DISCLAIMER

• The use of the Services and the Platform is at your sole risk. You hereby accept full responsibility for any consequences that may arise from your use of the Services or the Platform, and expressly agree and acknowledge that Naffa shall have absolutely no liability with respect to the same.
• To the fullest extent permitted under Applicable Law, the Services and other products, information, materials, and services provided by Naffa are provided "as is". To the fullest extent permitted under Applicable Law, Naffa disclaims all warranties of any kind, express or implied, arising out of the Services, including merchantability, fitness for a particular purpose, title, and non-infringement, and all warranties arising from course of dealing, usage, or trade practice in respect to the same. Without limiting the foregoing, Naffa makes no warranty of any kind that the Services, Platform, or any products or results of the use thereof, will meet your or any other persons' requirements, operate without interruption, achieve any intended result, be compatible or work with any software, systems, or other services, be secure, accurate, complete, free of harmful code or error-free.
• You shall be solely responsible for the activities that may take place through your Account, and you agree to use, access, and enter the Platform at your sole
• You understand that we shall in no manner be held liable for any unauthorised use of the Service or the Platform through your Account due to unauthorised access including but not limited to hacking and security
• You understand and agree that we do not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services or the Platform is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material
• You hereby accept full responsibility for any consequences that may arise from your use of the Services or the Platform, and expressly agree and acknowledge that Naffa shall have absolutely no liability with respect to the
• To the fullest extent permissible by law, Naffa , its Affiliates, and its related parties each disclaims all liability to you for any loss or damage arising out of or due to:

• your use or inability to use, or availability or unavailability of the Services, including any Third-Party Services;
• the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services or the Platform, communications failure, theft, destruction, or unauthorised access to Naffa ’s records, programmes, services, servers, or other infrastructure relating to the Services or the Platform;
• the failure of the Services or the Platform to remain operational for any period of time; or
• the collection or processing of your personal information by
  • You also agree and acknowledge that there can be disruption in communication due to factors outside our control, including but not limited to your device being switched off, incorrect email address, network You agree not to hold us liable for non-delivery for any alert or any loss suffered by you due to any delay, distortion or failure of communication.
  • You further agree and acknowledge that offers provided by us may vary from user to
  • You represent and warrant that all information that you provide on the Platform or in relation to the Services or through the Account or any Additional Information you provide is complete, true, and correct on the date of agreeing to these Terms and shall continue to be complete, true, and correct while you avail the Services, access the Platform or otherwise have an account on the Should any information that you provide change during the existence of these Terms, you undertake to immediately bring such change to our notice. We do not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact or notify us of any change to the same.

9.  PAYMENTS AND FEES

• The fees charged for the Services shall be set forth on the Platform for the specific Service (“Fees”). We reserve the right to charge such Fees as we may determine, in our sole discretion from time to time, to provide you with the Services chosen by

• Once we start charging the Fees, you will be charged and agree to pay the applicable Fee to use the Services chosen by you, as specified on the Platform, and all applicable taxes, duties or other governmental assessments based on your use of the Services.

10.   INDEMNIFICATION

• You shall indemnify, defend at and hold Naffa , its Affiliates, and their officers, associates, successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any direct or indirect losses, actions, damages, penalties, cost and expenses, claim, demand, lawsuits, a judicial proceeding, (including, without limitation, from all damages, liabilities, settlements, costs, and attorney's fees) arising from or relating to: acts, commissions or omissions, errors, misrepresentations, misconduct, negligence, fraud, forgery, dishonesty, violation attributable to you and/or your personnel/agents/representatives, or any third party who may use your Account, your access to the Platform and the Services and your use of the Platform and the Services in violation of these Terms. b. contravention of any Applicable Law. c. any claim from any Authority or any third party as a result of any action or inaction on your part, including but not limited to a breach of these Terms or any acts committed beyond the scope of these Terms.

11.   CONSENT TO USE DATA

• You agree that we may, collect and process your information, including your personal information, technical data, and related information, in accordance with our Privacy Policy and applicable laws.
• In addition to any consent, you may give pursuant to the Privacy Policy, you hereby consent to: (i) Naffa fetching your details from the human resource management system of your employer; and (ii) us sharing the information captured with our affiliates and third-party service providers for business

12.   LIMITATION OF LIABILITY

• Notwithstanding anything to the contrary contained herein, neither Naffa nor any of its Affiliates or related parties shall have any liability to you or any third party for any direct, indirect, incidental, special, or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms, including any action taken by any Authority. If the foregoing limitation is not enforceable, the maximum liability of Naffa shall be limited to INR 500.

13.   TERM AND TERMINATION

• These Terms shall remain in effect unless terminated in accordance with the terms hereunder (“Term”).
• Notwithstanding anything to the contrary in these Terms, any other terms, or any other communication between you and us, Naffa may terminate your use of the Platform and your access to the Services, Platform, or any portion thereof, immediately, at any time with or without notice, and for or without any reasons, with absolutely no liability to
• Upon termination under this Clause 12:

• the Services and/or the Platform will “time-out”;
• you shall not be eligible to avail any features of the Services and/or the Platform; and
• these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or
  • Notwithstanding anything to the contrary contained in the Terms, upon termination of your access to or use of the Platform and/or the Services, you must immediately stop using the

14.   MISCELLANEOUS

• Severability: If any provision of these Terms is determined by any court or other competent Authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).
• Waiver: No failure or delay in exercising any right, power, or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof or the exercise of any other right, power or Every right or remedy herein conferred

upon or reserved to either party shall be cumulative and shall be in addition to every right and remedy existing at law or equity or by statute and the pursuit of any one right or remedy shall not be construed as an election.

• Force Majeure: You agree that we shall not be liable for any breach of these Terms if such breach is caused by an event that is unforeseeable and beyond our reasonable control (such as, depending on the circumstances, unavailability of any communication system, breach or virus in our system, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, unauthorised access to computer data and storage devices, computer crashes and regulatory or government actions (“Force Majeure Event”). In such circumstances, we will be entitled to a reasonable extension of time to perform our obligations and shall take commercially reasonable methods to inform you of the Force Majeure Event and use all reasonable endeavours to mitigate the effects of the Force Majeure Event.
• Notices: All notices, requests, demands, and determinations for Naffa under these Terms (other than routine operational communications) shall be sent to attention of Vivek Kumar Singh, email address: vivek@tonetag.com at address: registered office at 117, The Arcade, Brigade Metropolis, Garudachar Palya, Mahadevapura, Bangalore 560048.
• Third Party Rights: No third party shall have any rights to enforce any Terms contained
• Translations: Naffa may provide you with translated versions of these Terms solely to assist you with understanding these Terms in greater The English version of these Terms shall be controlling in all respects. In the event of any inconsistency between the English version of these Terms and any translated version, the terms of the English version shall prevail.
• Modifications: Naffa reserves the right at any time to modify these Terms and to add new or additional terms or conditions on the use of the Services and the Platform at its sole discretion. Such modifications and additional terms and conditions will govern your use of the Platform and Services (in which these Terms shall terminate), and amended terms will be effective immediately and will be incorporated into/shall modify these In the event you refuse to accept such changes, these Terms will terminate. We also reserve the right to suspend or withdraw or restrict the availability of all or any part of our Platform or the Services for business and operational reasons.
• Assignment: You shall not licence, sell, transfer or assign your rights, obligations, or covenants under these Terms in any manner without our prior written consent. We may grant or withhold this consent in its sole discretion and subject to any conditions it deems appropriate. We may assign its rights to any of its affiliates, subsidiaries, or parent companies, or to any successor in interest of any business associated with the Services without any prior notice to
• Regulatory Changes: You acknowledge and agree that we may have to modify the Services or the Platform to comply with the Applicable Laws. As a result of this, you may be unable to access or use all or any part of the Services or the Platform. We shall not be liable to you for such inability to use the Services or the Platform pursuant to our compliance with the Applicable Laws.

15.   GOVERNING LAWS AND JURISDICTION

• These Terms shall be governed by and construed in accordance with the laws of India and subject to Clause

14.2 to 14.7, any dispute concerning these Terms shall be subject to the exclusive jurisdiction of courts at Bangalore, India.

• Any dispute or claim arising out of or in connection with or relating to these Terms or their breach, termination, or invalidity hereof shall be referred to and finally resolved by arbitration in Bangalore in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this Clause 14.2.
• Within 30 (thirty) days of the issue of a notice of dispute, Naffa and you shall mutually agree on the appointment of a sole arbitrator. If such mutual agreement is not arrived at within the aforesaid 30 (thirty) days period, Naffa and you shall appoint such sole arbitrator in accordance with the Arbitration and Conciliation Act,
• The seat of arbitration shall be Bangalore, and the arbitration proceedings shall be conducted in the English

• We/You agree to keep the arbitration confidential and not disclose to any person, other than those necessary to the proceedings, any information, transcripts, or award unless required by Applicable The decision of the arbitrator shall be final and binding on us/you hereto.
• We/You hereto agree that our/your consent for the resolution of the dispute through arbitration shall not preclude or restrain you/us from seeking suitable injunctive relief in appropriate circumstances from courts in
• The cost of arbitration shall be borne in a manner by us/you as determined by the In the meantime, we/you shall bear our/your own cost for the arbitration which shall be reimbursed as per the directions in the arbitral award.
• Notwithstanding any provision to the contrary, nothing in these Terms shall preclude any of your rights under Applicable

16.   QUERIES AND GREIVANCES CONTACT DETAILS

• To exercise any of the rights or for sharing any grievance or queries, please write us an email at vivek@tonetag.com as per the details provided below: Name: Vivek Kumar Singh, email address: vivek@tonetag.com b. Designation: CFO & Co-Founder c. Address: 117, The Arcade, Brigade Metropolis, Garudachar Palya, Mahadevapura, Bangalore 560048.