TERMS AND CONDITIONS:-

By clicking the “Confirm/I Accept/Submit/Make Payment button stated above (“Confirmation Tab”) these clickable Terms and Conditions (“Terms”) and entering the one-time password sent by BFL (“OTP”), I am expressing my interest in availing loan from Bajaj Finance Limited (“BFL”) for purchase of product from the website of the e-commerce partner (“Vivo E-Store (shop.vivo.com/in)”), I hereby agree and acknowledge that I (i) am at least 18 years of age, (ii) can understand, read and write in the English language, (iii) have read, understood and agree to be bound by these Terms.

1.I agree that my action of entering the OTP sent by BFL and clicking on the Confirmation Tab, constitutes a valid acceptance by me of the Terms contained herein and creates a binding and enforceable agreement between me and BFL.

2.I declare that all the particulars and information provided by me for availing this loan from BFL (“Loan”) are true, correct, complete and up-to-date in all respects and that I have not withheld any information whatsoever from BFL as may be required for availing loan from BFL.

3.I have an Existing Member Identification card (“EMI Card”) issued by BFL, which enables purchase of products or availing services including but not limited to apparel, holiday/travel packages, footwear, groceries, kitchen appliances and accessories from Vivo E-Store (shop.vivo.com/in), on Loan from BFL.

4.I have read and understood the Master Terms and Conditions applicable to loans for Consumer Durable, Digital, Life Style Products & EMI Cards available at: https://www.bajajfinserv.in/terms-and-conditions- ecomm.pdf (“Master Terms”), as are in force now or from time to time and agree to comply with and be bound by the said Master Terms.

5.I declare that all the documents required to be submitted for availing the Loan, shall be submitted by me to BFL in the form and manner as may be prescribed by BFL and the same shall be true, correct, complete and up- to-date in all respects.

6.I understand that in case the information given by me is found incorrect or false, then the same shall affect this Loan and all my future loan applications to BFL.

7.I understand that the Loan shall be assigned to me as per BFL’s sole discretion and internal policies and the same is subject to further revision at BFL’s sole discretion. BFL shall not be liable in any manner whatsoever for such revision or cancellation of Loan limit.

8.I understand and undertake to keep my credentials including the login id and password/PIN issued by BFL and/or reset by me (“Credentials”), as confidential and shall not share the same with any third party. Any use or misuse of the Credentials including the transactions carried out using the Credentials shall be my sole responsibility and BFL shall not be held responsible for any loss/damage incurred on account of such use, misuse and/or transactions.

9.I understand and acknowledge that transmission of information through internet is not a secure means of sending information and the same may be subject to tampering and unauthorized access, fraudulently or mistakenly written, altered or sent, and not be received in whole or in part by the intended recipient and which may affect the availability and performance of this online facility provided by BFL. I shall not hold BFL liable for any loss/damage, whether direct or indirect, arising out of or resulting from such tampering and unauthorized access, frauds, mistakes, etc.

10.I authorize BFL to exchange or share information and details relating to Loan to its group companies and other third-party agents/representatives as may be required or as it may deem fit for the purpose of facilitating this Loan application and/or related offerings or other products/ services that I may apply for from time to time. I shall not hold BFL (or any of its group companies or its/their agents/representatives) liable for use/sharing of such information.

11.I understand that by clicking the Confirmation Tab, I hereby provide consent for receiving communications from BFL, its group companies, agents/ representatives in relation to this Loan including promotional communications through any mode (including without limitation through telephone calls / SMSs / emails). I confirm that that I shall not challenge receipt of such communications as unsolicited communication, defined under TRAI Regulations on Unsolicited Commercial Communications.

12.I understand and agree that for concluding the Loan transaction for purchase of product/service from Vivo E-Store (shop.vivo.com/in), Rupees 49 as convenience fee (plus the applicable taxes) would be charged for each transaction and same would be added to my first equated monthly instalment for such Loan transaction.

13.I understand that products that are bought using EMI card from the Vivo E-Store (shop.vivo.com/in) are subject to the specific product cancellation policy of the Vivo E-Store (shop.vivo.com/in).

14.I understand that partial cancellation of any purchase made using Bajaj Finserv EMI within the cancellation period will result in the reduction of the tenure of the loan availed though the EMI amount will remain the same.

1. WHICH PRODUCTS ARE AVAILABLE WITH NO COST EMI OFFER?

All the mobile phone models can be purchased with No Cost EMI.

2. WHY MY ISSUING BANK CALL CENTER HAS NO INFORMATION ON EMI CONVERSION?

The issuing bank will receive EMI request after at least 3 working days of the transaction. Then issuing banks can provide status of transactions.

3. WHY HAS THE TRANSACTION AMOUNT NOT CONVERTED INTO EMI IN 7 WORKING DAYS?

Please contact your card issuing banks in-case 7 days have passed and transaction has not been converted in EMI. Conversion of transaction into EMI is at the sole discretion of card issuing bank and can also be rejected in unfortunate circumstances.

4. WHY IS THE FULL AMOUNT CHARGED IN MY BILL?

Please check transaction date and customer bill generation date, if the period is less than 7 working days then customer needs to speak to issuing bank to determine how much to pay. The bank might convert the EMI at a later date and change bill payment.

5. WHY THE SUM TOTAL OF EMIS IS MORE THAN THE TRANSACTION AMOUNT?

The issuing bank charges interest per EMI transaction. The interest rates are decided by the bank and are displayed at the time of completing the transaction.

6. WHAT HAPPENS IF BANK REJECTS EMI CONVERSION?

Customer needs to pay full amount of the transaction to the bank, since EMI facility is at sole discretion of the issuing bank. Or customer can refer to refund/return policy of the merchant.

7. WILL MY ORDER BE SHIPPED ONCE MY EMI IS APPROVED?

Once the payment is made, Vivo shall ship the product as per schedule and would not wait for the EMI approval.

8. WILL MY TRANSACTION AMOUNT BE REFUNDED IF THE EMI IS REJECTED

No refund will be issued in case the issuing bank rejects the EMI application since this EMI grant is at the bank’s sole discretion.

9. IF I QUALIFY TO GET A REFUND AS PER VIVO POLICY WILL I RECEIVE THE INTEREST ON IT AS WELL?

In case of refund, no interest payment will be borne by Vivo. Vivo shall return the transaction amount that was paid after the user returns the device in sealed condition.

10. WHOM SHOULD I REACH OUT TO IF MY EMI IS REJECTED

If offline EMI is rejected, user should take it up with issuing bank and not with Vivo. The customer will have to inquire about the status of their EMI request with their issuing bank.

11. CAN I CANCEL AN OFFLINE EMI TRANSACTION?

EMI transactions once submitted cannot be cancelled/reversed.

13. WHY HAVE I BEEN CHARGED WITH THE FULL AMOUNT OF THE TRANSACTION?

At first full amount is charged and later converted in EMI normally within 7 working days. Please contact your card issuing bank in case 7 working days have passed and transaction has not been converted to EMIs.

How To Avail?

Evaluate old device

Select the old device which you wish to exchange and fill the basic details.

Get exchange Bonus

of Extra Rs.2,000 off on exchange. This value is not included in the final value shown on widget.

Place new order

Accept the final quote and place a new smartphone order by selecting the payment method.

Keep old phone ready

Post delivery of your new device, old phone will be picked up and cash (including the exchange bonus, if any) will be paid to you instantly.

Offer Description:-

1. Get extra Rs.2,000 off on exchange on mobiles with exchange value above Rs.2,000.

2. The final quote value will not include this offer value.

3. Offer value will be given to the customer at doorstep at the time of exchange.

Exchange FAQs:-

1.How does Exchange work?

It is service provided by Cashify and it can be availed through Vivo E-Store ( http://shop.vivo.com/in) only upon purchase of a new smartphone.

2.What are the conditions for device to be eligible for exchange?

The phone should be in working condition without any physical damage on screen or phone body. All the screen locks should be disabled and i-cloud account should be unlocked.

3.Can I provide one address for delivery and another for pickup?

No, the delivery address mentioned by you would be used for pickup of old device as well as delivery of the new device. For offline/in-store orders, please make sure the delivery address is different from store address. Ideally the delivery address should be the residential address in this case.

4.Can I hand-over a different device in exchange?

No, the device being handed over should have the exact details as mentioned during time of purchase. The exchange device would not be picked up in case of any mismatch.

5.Can I exchange more than 1 old device?

No, only one old device can be exchanged per order.

6.When will I get my exchange value?

Cashify service engineer or representative will come to your doorstep for physically evaluating the gadget’s condition and match it to the conditions you mentioned while generating the quote. If the conditions of your device match with the provided description, the representative will pay you in Cash at that very instant. Besides cash, online payment gateways like bank transfer and wallets are also supported.

Once you’ve transacted the device, an OTP will be sent to you. Just share it with the representative, who will confirm the exchange and implement instant pay as per the payment method of your choice.

7.Can I cancel my order in case my exchange device is rejected during pick up?

The order for new device cannot be cancelled even if the exchange device is rejected during pick up.

8.Any checklist before I handover my device?

Kindly ensure all your data is backed up and cleared from your old phone before exchange. You may also remove the memory card. In the event the device is not working, or the pickup executive is not able to do an iCloud unlock check, or screen lock check / IMEI check due to a phone being "factory reset", the exchange device will not be picked up.

9.Do I need to handover all original accessories and packaging for the exchange device?

Yes, If you have selected original accessories and packaging box options as “Available” during the process then you need to provide the same.

10.Why did I get paid less than the quote?

Sometimes the information given by the seller doesn’t match the physical condition of the device. This results in reduction in the price of the device.

11.How do I get my exchange product back?

Once the exchange device is picked up, the same would not be returned.

12.Do you charge something for picking up my gadget?

No, it is absolutely free!

13.Do I need to give the original invoice also?

Devices with company warranty will fetch you better prices. So, if you claim your device to be under warranty, then we would require the original invoice to be submitted at the time of sale.

14.What if during pick up the condition of the gadget doesn’t match to the one I provided on Cashify?

Under such circumstances, our representative will present you a fresh quote as per the actual condition of the gadget. If you agree, then we will pay you the re-quoted amount on the spot. You may also choose to discontinue our service if the re-quoted value is not up to your mark, without any risk of paying.

15.What if I have my personal data on the exchange device?

You must ensure to delete all data on your device before handing it over for exchange. Vivo or its affiliates will not be responsible for any data that may be retained on the phone.

16.How Can I get the “Service Number” for my Cashify Quote?

The Service Number for your buyback will become available in your MyAccounts page For further queries, please check out: https://www.cashify.in/blog/faqs/buyback .

17.How do I send my exchange device to Vivo?

Your exchange device would be picked up in 48-72 hours post-delivery of the new device.

18.What if my pickup is delayed?

Don’t worry we’ll get to you. If you haven’t yet received the contact details of your pick-up agent, get in touch with our customer support and share your service number. And we’ll take care of the rest.

19.How can I contact you regarding queries, concerns and resolution related to Cashify?

Please feel free to contact exchange@cashify.in or 8448381777.

Legal Terms & Conditions:-

1.The participation in the Exchange Offer (referred as “Offer”) is open only for the Indian citizens of 18 years of age or above. (referred as “Participant”)

2.By agreeing to participate in the Offer, t Participant hereby represent, warrant and covenant that:

a.The Participant is the sole, absolute and lawful owner and/or user of the said phone offered for exchange (referred as “Device”);

b.The Device has been used by the Participant in accordance with the applicable laws of the land.

c.The Device along with all its accessories, wherever applicable, under the Offer is genuine and is not counterfeit, free from any and all encumbrances, liens, attachments, disputes, legal flaws, exchange or any agreement of sale etc.

d.The details of the Device, including its condition, are as stated at the Vivo E-Store.

3.By participating in this Offer the Participant agrees and understands that all transactions on Platform are subject to the terms and conditions associated with creating a Vivo E-Store account.

4.The exchange transaction shall be a biparte agreement between Participant and Cashify (“Exchange Partner”) and at no time shall vivo be considered a party to the same.

5.Any documents as required by vivo/Cashify in relation to such offer shall be submitted by the Participant, failure to do the same may result in cancellation of the Offer for the Participant in the sole discretion of Vivo.

6.The residents of any state within territory of India, wherever prohibited by Law shall not be entitled to participate in this Offer as applicable.

7.Vivo reserves the right to cancel, modify, extend, or withdraw the Offer prematurely at their sole and absolute discretion.

8.The Participants shall indemnity and keep indemnified Vivo and their officers, directors, employees, customers, affiliates and agents harmless from and against any and all claims, losses, suits, proceedings, action, liabilities, damages, expenses and costs {including attorney's fees and court costs) which vivo /Cashify  may incur, pay or become responsible as facilitator as a result of breach or alleged breach of the representations or obligations of the Participants under the T&C. Hereunder, any failure by the Participants to comply with applicable law and any third party claims. Vivo shall have the right to defend themselves, pursuant to this Clause, at the cost of the Participants. Vivo or their respective affiliates shall not be responsible for any direct, indirect, incidental, special, punitive or consequential damages, including loss of profits, incurred by the Participant or any third party, in connection with the Offer. It is expressly provided that transaction shall be between Participant & Cashify only.

9.Vivo shall not be responsible for any loss, injury or any other liability arising out of availing of the Offer.

10.Vivo shall not be liable for any loss, delay or damage due to Act of God, Governmental actions, other force majeure circumstances and shall not be liable to pay any amount as compensation, or otherwise, for any such loss, delay or damage.

11.This Offer is neither assignable nor transferable under any circumstance, unless specifically provided hereunder.

12.Vivo/Cashify are not responsible for any malfunction server error! Technical fault of any kind either at the Participant's end or on the Platform, which prevents the Participant from availing the Offer.

13.Vivo/Cashify shall not be responsible for downtime on the services, caused due to technicalities (like failure of hardware equipment, configuration issue, network congestion), or due to decisions/changes in regulations that are carried out by TRAI, R.B.1, DoT or any other regulatory badly.

14.This Offer are subject to force majeure circumstances including without limitation, floods, natural disasters, war, act of terror, political unrests, technical snags, act of God, change of laws or any circumstance beyond the reasonable control of Vivo/Cashify (“Force Majeure Event’). Vivo/Cashify shall not be liable for any delay or adverse effect caused to this Offer there under as a result of a Force Majeure Event. Vivo/Cashify shall intimate the suspension of Offer caused as a result of such Force Majeure Event to the Participants within reasonable time.

15.Any Participant providing any incorrect information or concealing/withholding any information from Vivo/Cashify with intent to avail the Offer will automatically be disqualified from participating in it. Such act of providing incorrect information or concealing/withholding any information, including without limitation incorrect declaration of information relating to name, age, identity, address, mobile connection of Operator number, domicile etc., by the Participant or dispute with the platform, shall entitle Vivo/Cashify to disqualify him/her without any further intimation.

16.Vivo reserves the right to extend, cancel, discontinue, prematurely withdraw, change, alter or modify this Offer or any part thereof including the eligibility criteria, the T&C and gratification at their sole discretion at any time during its validity as may be required including in view of business exigencies and/or changes by a regulatory authority and/or statutory changes and/or any reasons beyond their control and the same shall be binding on the Participant.

17.Failure by Vivo/Cashify to enforce any of their rights at any stage does not constitute a waiver of these rights. Further, Vivo/Cashify may assign any of its rights within the Offer to any party without prior intimation to Participants.

18.Vivo/Cashify does not make any commitment, express or implied to respond to any feedback, suggestion and/or queries of the Participants.

19.Apart from the entitlement to the Exchange Value, the Winners or their legal heirs/ successors/ representative will have no other rights or claims against Vivo, its owners and affiliates. Maximum aggregate liability of Vivo/Cashify shall not exceed the Exchange Value of the concerned Device in case of any dispute, in pursuance to the terms and conditions herein.

20.No correspondence shall be entertained with regard to any aspect of the Offer, except as specified.

21.Any dispute arising out of this Offer and terms & conditions of this Offer shall first be attempted to be resolved amicably through negotiations. In the event, amicable settlement fails, dispute shall be referred for Arbitration to a Sole Arbitrator to be appointed by Vivo whose decision shall be final and binding on all. The place of arbitration shall be Delhi. The Courts at Delhi shall have the exclusive jurisdiction in respect of all the subject matter with relation to the Offer.

22.Vivo/Cashify may require the Participants to participate in any promotional activities (such as publicity and photography) free of charge, and he/she consents to the usage of his/her name, photograph, film recording, portrait, picture, voice, likeness and biographical information for media coverage, news or information and for advertising or promotional purposes in any media for an unlimited period without remuneration (“Publicity Material"). The license to use the Publicity Material shall survive the termination or expiry of this Offer.

23.Participants acknowledge and agree that all copyright and trademarks and all other intellectual property rights in the SMS content, WAP/Desktop, Platform and all material or content related to the Offer shall remain, at all times, owned by Vivo/Cashify and/or their respective owners. All material and content contained is made available for Participant's personal and non- commercial use only. Any other use of the material! Content on the platform and/ or any information disseminated by SMS or any other means of communication is strictly prohibited.

24.Subject to any applicable law (a) All warranties of any kind whatsoever, whether express or implied, are hereby expressly DISCLAIMED including, but not limited to, meeting of the Participant®, requirements or aspirations, timeliness, security, the results or reliability of the Offer , delay in sending or receiving the SMS for participating in the Offer, or the delivery, pick up, quality, quantity, merchantability, fitness for use or non-infringement in respect of any Foods, services, benefits or awards acquired or obtained through the Offer or any transactions effected through the Offer : (b) The Participant expressly agree that his/her participation in the Offer is at his/her sole risk and is governed by the T&C herein; and (c) No advice or information whether by representations, oral, written or pictorial derived from the platforms including but not limited to Platforms SMS, shall be construed to mean the giving of any warranty of any kind.