In connection with submission of the application for my credit information (“Consumer Credit

Information”) offered by CRIF High Mark Credit Information Services Pvt. Ltd. (“CIC”) through

Oka Housing Technologies Private Limited (operating as Nivasa Finance) (referred to as the “Company”) and delivery of the Consumer Credit

Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent, and it has agreed to be my agent to obtain my

Credit Information Report and Credit Score from CRIF High Mark Credit Information Services

Pvt. Ltd (CRIF High Mark) for the purpose of assessing my creditworthiness for a housing loan and not for any other purposes.

B. This consent shall be valid for a maximum period of 6 months or till such time the credit

information is required to be retained to satisfy the purpose for which it was intended, or I

withdraw my consent at any time, by informing the same to the Company, at their registered

office address, website, assigned email id or mobile application, whichever is earlier.

C. I further authorize the Company to share with CICs, my personal information/details to procure

my Credit Information on a monthly frequency and use the same to provide me with the said

service (“Purpose”).

D. I confirm that this consent is given by my free will and not due to any solicitation by any

person/entity.

E. I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my

Consumer Credit Information to the Company on my behalf.

F. I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind

resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit

Information to the Company; (b) any use, modification or disclosure by the Company of the

contents, in whole or in part, of my Consumer Credit Information, wherever authorized by me;

(c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit

Information to the Company;

G. I acknowledge and accept that: (a) CIC has not made any promises or representations to me in

order to induce me to provide my Consumer Credit Information or seek any consent or

authorization in this regard; and (b) the implementation of the Agreement between CIC and the

Company is solely the responsibility of the Company.

H. I agree that I may be required to record my consent / provide instructions electronically or

physically as the case may be, and in all such cases I understand that by clicking on the "I

Accept" button below or signing this Consent physically, I am providing "written instructions" to

the Company authorizing Company to obtain my Consumer Credit Information from my personal

credit profile from CRIF High Mark. I further authorize the Company to obtain such information

solely to confirm my identity and display my Consumer Credit Information to me. Further in all

such cases by checking this box and clicking on the Authorize button or signing this Consent

physically, I agree to the terms and conditions, acknowledge receipt of CIC privacy policy and

agree to its terms, and confirm my authorization for Company to obtain my Consumer Credit

Information.

I. I understand that in order to deliver the product to me, I hereby authorize the Company to obtain

my Consumer Credit Information from CIC.

J. By submitting this registration form, I understand that I am providing express written instructions

for the Company to request and receive a copy of my consumer credit report and score from

CIC.

K. I understand that the product is provided on an “as-is”, “as available” basis and CIC expressly

disclaims all warranties, including the warranties of merchantability, fitness for a particular

purpose, and non-infringement.

L. I shall not sue or otherwise make or present any demand or claim, and I irrevocably,

unconditionally and entirely release, waive and forever discharge CIC, its officers, directors,

employees, agents, licensees, affiliates, successors and assigns, jointly and individually

(hereinafter “Releasee”), 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 I ever had, now have, or in the

future may have against the Releasee with respect to the submission of my Consumer Credit

Information and / or my decision to provide CIC with the authority to deliver my Consumer

Credit Information to the Company. I agree to defend, indemnify, and hold harmless the

Releasee from and against any and all losses resulting from claims made against CIC by third

parties arising from and in connection with this letter.

M. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall

be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute

arising hereof.