Terms & Conditions

1
Introduction

Welcome to DIGIPe (“DIGIPe”, “we”, “our”, or “us”).

DIGIPe provides a digital platform through which eligible users may
explore, apply for, purchase, renew, manage, or receive support for
solar insurance, EMI-related financial products, solar asset
documentation, inspections, payments, and insurance claims.

These Terms apply to your use of the DIGIPe website, Android application,
customer-support channels, digital forms, and all other related services.

2
Eligibility

To use DIGIPe, you must:

• Be at least 18 years of age.
• Be legally capable of entering into a binding agreement.
• Provide complete, current, and accurate information.
• Use the services only for lawful purposes.
• Have authority over the property, solar asset, bank account, or documents submitted by you.
• Meet any eligibility criteria imposed by an insurer, lender, payment provider, or regulatory authority.

We may request identity, address, ownership, installation, financial, or
other supporting documents before enabling a service.

3
DIGIPe Services

DIGIPe may provide or facilitate services including:

Certain services may be provided by licensed insurers, banks, non-banking
financial companies, payment gateways, surveyors, installers, or other
authorized third-party providers.

DIGIPe may act as a technology and service-facilitation platform and does
not necessarily provide every displayed product directly.

4
Account Registration and Security

You may be required to create an account using a mobile number, email
address, one-time password, password, biometric authentication, or another
approved method.

You are responsible for:

• Keeping your login credentials and one-time passwords confidential.
• Preventing unauthorized use of your account.
• Providing correct registration and contact information.
• Promptly informing DIGIPe of suspected unauthorized access.
• Ensuring that all actions performed through your account are authorized.

DIGIPe will not be responsible for losses caused by your voluntary
disclosure of an OTP, password, PIN, or other security credential.

5
User Responsibilities

By using DIGIPe, you agree to:

• Provide truthful, accurate, and complete information.
• Upload genuine and valid documents, photographs, videos, and records.
• Provide only information you are legally permitted to share.
• Keep your personal, policy, asset, and payment details updated.
• Cooperate with verification, survey, underwriting, and claim processes.
• Use the platform in compliance with applicable laws and regulations.
• Pay all applicable premiums, instalments, fees, charges, and taxes on time.
• Notify DIGIPe or the relevant provider of material changes affecting your policy or financing arrangement.

Providing false information or fabricated evidence may result in rejection
of an application, cancellation of a policy, denial of a claim, account
suspension, recovery proceedings, or legal action.

6
Insurance Products

Insurance policies displayed or facilitated through DIGIPe are issued and
underwritten by authorized insurance companies.

The applicable policy wording, proposal form, schedule, exclusions,
deductibles, coverage limits, waiting periods, warranties, conditions,
endorsements, premium, and claim requirements are determined by the
issuing insurer.

DIGIPe may assist with policy applications, document submission, premium
payment, renewals, inspection coordination, and claim communication, but
DIGIPe does not independently underwrite insurance unless expressly stated.

Policy issuance remains subject to insurer approval, verification,
underwriting requirements, receipt of premium, and applicable regulations.

7
EMI and Financing Services

EMI, credit, loan, or financing products available through DIGIPe may be
offered by banks, non-banking financial companies, lenders, or other
authorized financial institutions.

Loan or financing approval, interest rate, processing fee, repayment
schedule, tenure, credit limit, eligibility, security requirements,
penalties, and other conditions are determined by the relevant financing
partner.

DIGIPe does not guarantee:

• Approval of any loan or financing application.
• A particular interest rate, EMI amount, tenure, or credit limit.
• Disbursement within a specific period.
• Waiver of lender fees, penalties, or verification requirements.

You should review the lender’s key fact statement, loan agreement,
repayment schedule, charges, and privacy terms before accepting a financing
product.

8
Claim Submission and Processing

DIGIPe may assist users with submitting claims, uploading supporting
documents, coordinating inspections, receiving status updates, and
communicating with insurers or authorized surveyors.

The indicative timeframe is subject to:

• Submission of complete and authentic documentation.
• Successful inspection and verification.
• Cooperation from the policyholder and relevant third parties.
• Insurer assessment and approval.
• Coverage under the applicable policy.
• Regulatory, legal, survey, repair, or technical requirements.
• The complexity and circumstances of the claim.

A claim may be delayed or rejected if documentation is incomplete, the loss
is excluded, information is inaccurate, fraud is suspected, premiums are
unpaid, or policy conditions have not been satisfied.

9
Payments, Charges, and Taxes

You agree to pay all applicable:

• Insurance premiums.
• EMI or loan instalments.
• Processing or service charges disclosed before payment.
• Late-payment charges or penalties imposed under an applicable agreement.
• Government taxes, duties, and statutory levies.

Payments may be processed by third-party payment gateways, banks, insurers,
or financial institutions. Additional terms imposed by those providers may
apply.

A transaction may be declined, delayed, reversed, or placed under review due
to bank processing, network failure, fraud controls, incorrect information,
regulatory requirements, or other circumstances beyond DIGIPe’s control.

Failure to make payments when due may result in policy lapse or
cancellation, loss of coverage, late fees, recovery action, adverse credit
consequences, or other outcomes under the relevant agreement.

10
Refunds and Cancellations

Any refund, cancellation, free-look period, premium adjustment, or financing
reversal will be governed by the terms of the relevant insurer, lender,
payment provider, or applicable law.

DIGIPe may assist with submitting an eligible cancellation or refund
request but cannot guarantee approval or a particular processing time.

Fees already incurred for inspections, verifications, payment processing,
government charges, or completed services may be non-refundable where
permitted by law and previously disclosed.

11
Location, Camera, and Uploaded Evidence

Certain services may require location information, photographs, videos,
inspection data, identity documents, or solar asset records.

By submitting such information, you confirm that:

• The information is genuine, accurate, and relevant to the requested service.
• You have the right and authority to capture and submit it.
• It does not unlawfully infringe another person’s privacy or intellectual-property rights.
• It may be shared with authorized insurers, lenders, surveyors, claim assessors, and service providers where necessary.

Permission use and personal-data handling are further explained in our
Privacy Policy.

12
Third-Party Services

DIGIPe may integrate with or redirect users to third-party products and
services, including:

• Insurance companies and intermediaries.
• Banks, lenders, and financial institutions.
• Payment gateways and payment processors.
• Surveyors, inspectors, repair providers, and solar installers.
• Google Play Services, mapping tools, and cloud providers.
• Identity-verification, analytics, communication, and security providers.

Third-party products and services are governed by their own contracts,
policies, service levels, pricing, and privacy practices. DIGIPe is not
responsible for an independent third party’s acts, omissions, systems, or
decisions except where liability cannot lawfully be excluded.

13
Intellectual Property

The DIGIPe name, logo, application, website, software, interface, text,
graphics, databases, designs, workflows, trademarks, and related materials
are owned by or licensed to DIGIPe and are protected by applicable
intellectual-property laws.

Subject to these Terms, DIGIPe grants you a limited, personal,
non-exclusive, non-transferable, and revocable right to use the platform for
its intended lawful purpose.

You may not:

• Copy, reproduce, sell, sublicense, or commercially exploit the platform.
• Reverse engineer, decompile, disassemble, or attempt to extract source code.
• Remove copyright, trademark, or proprietary notices.
• Use DIGIPe branding without written authorization.
• Create a misleading association with DIGIPe or its partners.

14
Prohibited Activities

You must not use DIGIPe to:

• Provide false, misleading, fabricated, or incomplete information.
• Commit or attempt insurance, identity, payment, or financing fraud.
• Submit altered documents, staged damage, or false claim evidence.
• Upload malware, harmful code, or unlawful content.
• Attempt unauthorized access to accounts, systems, APIs, or data.
• Interfere with the security, operation, availability, or performance of the platform.
• Use automated tools to scrape, overload, probe, or exploit DIGIPe without permission.
• Impersonate another person, organization, insurer, lender, or representative.
• Violate applicable laws, regulations, or third-party rights.

15
Suspension and Termination

DIGIPe may restrict, suspend, or terminate access where reasonably necessary,
including in cases of:

• Suspected fraud, forgery, abuse, or unlawful activity.
• Violation of these Terms or product-specific conditions.
• Security threats or unauthorized account access.
• Failure to complete required verification.
• Non-payment or breach of an applicable agreement.
• Requests from insurers, lenders, regulators, courts, or law-enforcement authorities.
• Discontinuation or material modification of a service.

Suspension or account deletion does not automatically cancel an active
insurance policy, financing obligation, pending claim, outstanding payment,
or legal obligation.

16
Availability of the Platform

We aim to keep DIGIPe available and functional, but uninterrupted or
error-free access cannot be guaranteed.

The platform may be unavailable due to maintenance, upgrades, network
interruptions, third-party failures, security incidents, force majeure,
regulatory action, or circumstances beyond our reasonable control.

We may modify, suspend, replace, or discontinue a feature where necessary,
subject to applicable law and existing contractual obligations.

17
Disclaimer

Information available through DIGIPe is provided for service facilitation
and general informational purposes. It should not be treated as independent
legal, tax, investment, engineering, or financial advice.

Insurance coverage is subject to the insurer’s policy terms. Financing is
subject to lender approval and agreement. Users should independently review
all official policy, loan, payment, and contractual documents before making
a decision.

18
Limitation of Liability

To the maximum extent permitted by applicable law, DIGIPe will not be liable
for indirect, incidental, special, punitive, exemplary, or consequential
losses arising from use of, or inability to use, the platform.

This includes loss resulting from:

• Insurer underwriting or claim decisions.
• Lender approval, rejection, pricing, or repayment decisions.
• Third-party service interruptions or errors.
• Incorrect information submitted by a user.
• Unauthorized use caused by compromised user credentials.
• Network, device, payment-gateway, or banking failures.

Nothing in these Terms excludes or limits liability that cannot lawfully be
excluded or limited under applicable law.

19
Indemnity

To the extent permitted by law, you agree to indemnify and hold DIGIPe, its
affiliates, officers, employees, and authorized service providers harmless
from claims, losses, liabilities, penalties, or expenses arising from:

• Your violation of these Terms.
• Your unlawful or fraudulent use of the platform.
• False information or documents submitted by you.
• Your infringement of another person’s rights.
• Your breach of an insurer, lender, payment-provider, or service-provider agreement.

20
Privacy and Account Deletion

Our collection and use of personal information are governed by the
DIGIPe Privacy Policy.

Eligible users may request account deletion in accordance with our

Account Deletion Policy
.

Certain information may be retained after account deletion where required
for active policies, claims, transactions, financing obligations, fraud
prevention, accounting, dispute resolution, or legal compliance.

21
Changes to These Terms

DIGIPe may update these Terms to reflect changes in services, laws,
regulations, technology, partner requirements, or business practices.

Updated Terms will be published on this page with a revised effective date.
Material changes may also be communicated through the app, website, email,
SMS, or another appropriate method.

Continued use of DIGIPe after updated Terms become effective constitutes
acceptance of those updated Terms, except where additional consent is
required by law.

22
Governing Law and Disputes

These Terms are governed by the applicable laws of India.

Before initiating formal proceedings, users are encouraged to contact
DIGIPe so that the matter can be reviewed and an attempt can be made to
resolve it.

Subject to applicable consumer-protection laws and mandatory legal
requirements, disputes shall be subject to the jurisdiction of the
competent courts in India.

23
Severability and Entire Agreement

If any provision of these Terms is found to be invalid or unenforceable,
the remaining provisions will continue in effect.

These Terms, together with the Privacy Policy, applicable insurance policy,
loan agreement, payment terms, and product-specific disclosures, form the
agreement governing your use of the relevant DIGIPe services.