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Terms & Conditions

Thank you for visiting Frogs Innovation & Consultancy Private Limited (OPC) (“us”, “we”, “Company”,“” “GPS address”) is the author and publisher of the internet resource on the World Wide Web as well as the software and applications provided by GPS Address, including but not limited to the software and applications on the Website.

The information provided under this website is available to you ("User"), solely for the purposes of information. By using the software and/or availing the products offered on the website ("Services"), you agree that you are availing the Services offered by and are bound by the terms and conditions (“Terms”) contained herein below.

All rights are reserved by the Company. The content, code and applications contained on this Website, under the domain are copyright protected. Users may not reproduce, copy, or redistribute content or code in any form without prior written permission from the Company except for purely personal and non-commercial uses.

All the statements in these Terms apply to all users, and all users are therefore required to read and understand these Terms set out herein prior to accessing or utilizing any Services from GPS Address, failing which they are required to leave the Website immediately.

By ticking "Agree" and clicking on "I Accept" button on the site, the User expressly agrees with, and acknowledges to the following:

1) Availability:

(a) The Company controls and operates this Website from India and the Terms are solely governed by and must be interpreted in accordance with Indian laws. Our Services are offered only in countries where they may be lawfully offered by the Company. The materials on this Website are not intended for use by persons located in, or resident in countries that restrict the distribution of such materials. The information provided on this Website is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Website shall not be considered as communicating any invitation or inducement to engage in any activity outside any jurisdiction where the Company is not licensed or authorised to perform such activities;

(b) Not all of our Services that you may be able to view via this Website may be available in all geographical locations served by us. It is the responsibility of any persons accessing this Website and any information available through this Website to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. The Company may decline to provide you with its Services solely based on your location; and

(c) We may modify or discontinue any Service, any information or features that form a part of the Website, at any time, with or without notice to you, and without liability.

2) Relying on Information:

(a) No representation is given that any services discussed in or accessible through this Website are suitable for you or any particular person. You acknowledge that your use of this Website and any requests for information you have made as a result of visiting this Website have not been solicited by the Company or any of its affiliates and that the provision of any information through this Website shall not constitute or be considered investment or financial advice. The information contained on this Website is not intended to provide professional advice. Persons accessing these pages should obtain appropriate professional advice when necessary;

(b) The Company retains the absolute right to determine eligibility for subscription to any of the Services; and

(c) We do not represent or warrant that the Website will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.

You agree and undertake that you shall not to host, post, upload, display, modify, publish, transmit, update or share any information content/material that is:
(a) belongs to another person and to which you don't have any right to; copyrighted content owned by a third party unless you have the express consent, permission, license, authority of the rightful owner;
(b) violates/infringes any patent, trademark, trade secret, copyright or any other proprietary or privacy rights of any third party.
(c) is grossly harmful, blasphemous, paedophilic, false, misleading, unlawful or with the intent to defraud, harass, abuse, intimidate, accuse, impersonate or harm the feelings of anyone; illegal, obscene, pornographic, vulgar, provocative, defamatory, indecent, libelous, hateful, or racially, ethnically objectionable, disparaging, threatening, impersonating another person, enticing/harming of minors in any way, infringing of intellectual property rights, proprietary rights of any third party, invasive of privacy or public rights or any other third party rights or otherwise injurious or objectionable, elicit response relating to illegal activity, contain viruses is an expression of bigotry or hatred based on age, gender, race, religion, caste, class, lifestyle preference, and nationality; relating or encouraging money laundering or gambling or otherwise unlawful in any manner
(d) promotes or provides any instructional information about illegal activities;
(e) Upload or post any content/material that contain software viruses or any other computer codes, files or programs that would interrupt, destroy or limit the functionality of this Site/Service or any software, network, servers, hardware or any other related equipment, any computer resource.
(f) violate any applicable laws or regulations for the time being in force.
(g) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature.
(h) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation. is under no obligation to monitor or review the user contributed content. assumes no responsibility for the content, no obligation to modify or remove any inappropriate messages/content and no responsibility for the conduct of any user of this service. However, reserves the right to review the content posted and to remove any content in its sole discretion

3) Privacy Policy:

The User hereby consents, expresses and agrees that he has read and fully understands the Privacy Policy of this Website. The User further consents that the terms and contents of such Privacy Policy are acceptable to him. By submitting data to us or our agent or by using this Website, you consent to our use of such data, in the manner set out under the Privacy Policy and agree to be communicated by us to facilitate your usage of our Services.

4) Account Details:

(a) You will receive a password and account designation upon completion of the registration process. The User shall be responsible for maintaining the confidentiality of password and login information and shall not use this Website for any unlawful purpose. Kindly ensure that you log out from your account at the end of each session of usage; and

(b) The Company shall not be held responsible in any way for direct, indirect, special or consequential damages arising out of any unauthorised use of the User account. In the event of any unauthorised use of your password or account or any other breach of security, immediately notify us immediately.

5) Types of membership:

Registered members can use the services for the following purposes:

(a) Personal use; and

(b) Commercial use.

Personal use means and includes subscription by an individual/corporate or proprietorship. It would be a free service with a specific extension of home/office/event etc. This would be PIN protected. If the URL is shared with a third party, the PIN will be required to be disclosed to such third party for the third party to access the URL. [Views in relation to this URL would be limited.] Commercial use would mean a paid subscription. It would not be PIN protected and views to such URL would be unlimited. Further, there is a group address feature, which is meant for brands which would capture multiple sub option within the URL. Please note that though services available for personal use are PIN protected the responsibility of protecting the PIN and not sharing the PIN with others is the sole responsibility of the user. Any misuse of such PIN would not be the responsibility this website.

6) Price of services:

(a) The prices for the users subscribing services for the purposes of commercial use will be as quoted on our website/app from time to time. The price may vary according to currency and whether it is quoted on the website/app. We shall take all reasonable care to ensure that such prices are correct at the time when the relevant information was entered onto the system. However, if we discover an error in the price of the service you ordered, please see clause (c) below;

(b) Prices for our Services may change from time to time, but changes will not affect any order which we have confirmed with a purchase confirmation until a renewal of such an order is due; and

(c) If we discover an error in the price of the service, you have ordered we will inform you of this error and we will give you the option of continuing to purchase the service at the correct price or cancelling your order. We will not process your order until we have your instructions. If we are unable to contact you using the contact details you provided during the order process, we will treat the order as cancelled and communicate the same to you on your registered email address. Please note that if the pricing error is obvious and unmistakable and could have reasonably been recognized by you as a mispricing, we do not have to provide the service to you at the incorrect (lower) price1.

(d) Refund & Cancellation: We offer 7 days no questions asked refund policy. If you are not happy with something you bought, we'll refund as long as it is within 7 days from the date of purchase. Mail us your request to for cancellation & refund.

7) Intellectual Property:

(a) The User has no right to use or copy any of trade names, trademarks, service marks, logos, domain names, and other distinctive brand features of this site or any other person as displayed on this Website;

(b) The content and information contained within our Website or delivered to you in connection with your use of our Website is the property of the Company and any other third party (where applicable). The trademark, trade names and logos (the "Trade Marks") that are used and displayed on our Website include registered and unregistered Trade Marks of ourselves and other third parties;

(c) Nothing on our Website should be construed as granting any license or right to use any Trade Marks displayed on our Website. We retain all proprietary rights on our Website. Users are prohibited from using the same without written permission of the Company or such other parties; and

(d) The materials on this Website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Company’s prior written consent.

8) User’s Responsibility:

The User agrees and undertakes not to reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or software obtained from this Website.

9) Personal Information:

(a) Personal information provided by the User while registering as well as during loan application creation and submission process on this Website is done voluntarily;

(b) We assure that the personal information collected from the Users is considered necessary for providing Services to our Users and shall be used for the purpose for which it has been collected;

(c) The User is therefore completely informed that the Company accesses such information collected from the User in order to process, analyse, compile and exploit them, within the framework of the Services provided by Company;

(d) It is expressly agreed by the User that his/her personal information may be passed to a third party in order to deliver the Services requested by him/her;

(e) Further, you authorize us to share your data with our affiliates or agents or vendors or partner banks and NBFCs, providing services through the Website;

(f) You also permit us to disclose your information to service providers under contract who help with our business operations and services offered on the Website; and

(g) The User also acknowledges that he/she has been informed that we may transmit such data at the request of a duly recognized law enforcement and governmental agencies.

10) Security:

(a) We take appropriate measures to ensure that your information disclosed to us is kept secure, accurate and up to date. This Website has reasonable security measures in place to protect the loss, misuse and alteration of the information under our control. We utilize firewalls, SSL encryption technologies, and secured server and authentication procedures for security purposes for our Website;

(b) Internet Communications may be susceptible to interference or interception by third parties. We assume no liability for any disclosure of information due to any errors in transmission, unauthorised third party access to our Website and data bases or other acts of third parties, or acts or omissions beyond our reasonable control; and

(c) Despite our best efforts, we make no warranties that the Website is free of infection by computer viruses or other unauthorised software. You should take necessary precautions while using the Website and take necessary steps in order to keep the Website secure. This includes clearing your Internet browser cookies and cache before and after using any services on the Website.

11) Authorization:

(a) Due to the nature of the Internet, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. this website is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send; and

(b) E-mail messages sent to over the internet cannot be guaranteed to be completely secure. The Company is not responsible for any damages incurred by users if they send a message to the Company or its affiliates, or if the Company or its affiliates send a message to them at their request, over the internet. The Company is not responsible in any way for direct, indirect, special or consequential damages arising out of the use of this Website.

12) Third Parties and Hyperlinks

(a) This Website provides hyperlinks to other locations or websites on the internet. These hyperlinks may lead to websites published or operated by third parties who are not affiliated with or in any way related to this website. They have been included in our website to enhance your user experience and are presented for information purposes only. We endeavor to select reputable websites and sources of information for your convenience. Please be mindful that when you click on a link and leave our website you will be subject to the terms of use and privacy policies of the other website that you are going to visit;

(b) The display on this Website of any products offered by third parties does not in any way suggest that this website approves, endorses, recommends, guarantees or introduces any of these third parties or products or extends any advice to the User about the third parties or their products;

(c) We are not in any way responsible for the content of any externally linked website or webpage. You use or follow these links at your own risk and GPS Address is not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the link. GPS Address is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by GPS Address; (d) You must always obtain the prior written approval of GPS Address before creating a hyperlink in any form from a third party website to this Website. GPS Address may or may not give such approval at its absolute discretion; and (e) GPS Address reserves the right to object or disable any externally linked website to or from the Website.

13) Liability:

(a) GPS Address does not guarantee that the User will be sanctioned credit facilities and accepts no responsibility or liability in the event the User is unable to avail of the credit facility that the User has applied for;

(b) This Website is a resource for information purposes only. GPS Address makes no endorsement of, is not responsible for and makes no representations or warranties with respect to links from this Website to other information, websites or entities. This Website is intended, but not warranted, promised or guaranteed, to be correct, complete, and up-to-date. GPS Address expressly disclaims and will not be liable for any act or omission or any consequence of any act or omission by the User relying on material/information provided in this Website; and

(c) Whilst every care has been taken in preparing the information materials contained in this Website, such information and materials are provided "as is" without warranty of any kind, either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials. GPS Address assumes no liability for the interpretation and/or use of the information contained or referred to on this Website.

14) Expiration:

In the event the account remains unused for a period of 3 months, the account will expire for all purposes. And in the event the member wishes to register with us again for all purposes it will be treated as a new user and will have to comply with all responsibilities.

15) Modification and Termination:

We reserves the right to suspend, terminate or restrict the User's access to the entire or a section of this Website without notice. Further this limited license terminates automatically, without notice to you, if you breach any of these Terms. Upon termination, you must immediately destroy any downloaded and printed materials.

16) Governing Law:

These Terms shall be governed by and constructed in accordance with the laws of India without reference to conflict of laws principles and disputes arising in relation hereto shall be subject to the exclusive jurisdiction of the courts and tribunals at Chennai.You agree to indemnify and hold, its subsidiaries, affiliates, officers, directors, employees, and representatives harmless from any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on this website/services.
I have read and understood this agreement and agree to be bound by and abide to this agreement. In case of any grievance, please contact the Grievance Officer. If you are the rightful owner of the content or an affected person and have the reason to believe that any content that has been uploaded/contributed through this Service contravenes your rights in violation of Rule 3 of the Information Technology (Intermediary Guidelines) Rules, 2011 ("Rules"), then you may intimate the same to in the following manner:
(a) Sending a request in writing or through email signed with electronic signature identifying the content alleged to be in infringement of your rights as the rightful owner or affecting you prejudicially;
(b) Providing exact identification and description of the content by giving its URL that is to be disabled, which in your view contravenes Rule 3(2) of aforesaid "Rules".
(c) Giving a declaration cum undertaking alongwith necessary documents establishing you (i) as the rightful owner of the content to be disabled, or (ii) as an affected person, and stating that the information submitted is true, complete & accurate and no material fact has been hidden. Further, stating that and its Management, Directors, employees, including Grievance Officer shall not be liable for any loss or damage or claim for relying upon the said request.

17) Variation:

The Terms may be modified at the discretion of GPS Address and the User's usage of this Website shall be governed by the Terms in effect at the time of usage. You are encouraged to review these Terms from time to time. By ticking on the 'Agree' and clicking on 'I Accept' button below, the User also confirms that the statements above are accurate. If you have received an unsolicited invitation from GPS Address, its members or authorized representatives to view this Website, please provide details about such invitation, including the person who has made such invitation. You may also have any questions, comments and requests regarding the Terms above. They should be addressed by sending an email to