"Dreampurse", "We", "Us", "Our" means Dreampurse and the CRED Group Entities.

"You", "Yours", "Yourself", "User"means any prospective user, or registered user of CRED Wallet.

"CRED" means Dreamplug Technologies Private Limited, having its registered office at 404 Uphar II CHS Ltd., Plot No.5, BHD Sanjeeva ENCL, 7 Bunglows, Near Juhu Circle, Mumbai, Maharashtra 400 061 and its corporate office at CRED, No. 769 and 770, 100 Feet Road, 12th Main, HAL 2nd Stage, Indiranagar, Bangalore 560038.

"CRED App" means the mobile application(s) hosted by CRED and CRED Group Entities for providing services to the Users and its commercial partners.

"CRED Group Entities"means subsidiaries and affiliates of CRED.

"CRED Platform"means any platform owned / subscribed / used by CRED or CRED Group Entities including but not limited to the CRED App, website, other mobile applications, devices, URLs / links, notifications, chatbots, CRED's social media channels, or any other communication medium or mechanism used by CRED or CRED Group Entities to provide services to the Users.

"CRED Wallet" means the portion of the CRED Platform licensed by Dreampurse from CRED, and used by Dreampurse for providing Dreampurse Services to the Users, including but not limited to the CRED Wallet, Dreampurse Website, other mobile applications, devices, URLs / links, notifications, chatbots, social media channels, or any other communication medium or mechanism used by Dreampurse to provide the Dreampurse Services to the Users.

"Dreampurse Website" means https://dreampurse.in or any other website hosted or registered by Dreampurse.

"Dreampurse Services"means and includes all services offered / to be offered by Dreampurse (including but not limited to the minimum KYC Prepaid Payment Instrument or the Full KYC Prepaid Payment Instrument issued by Dreampurse, and other products / services that may be introduced by Dreampurse thereon from time to time.)

This document is an electronic record in terms of Information Technology Act, 2000 and rules thereunder as applicable and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. By using or attempting to use CRED Wallet, or by checking the tick box, or by clicking on the “I ACCEPT” or “PROCEED” or any other similar button, or by use of any functionality of CRED Wallet, You are consenting to be bound by these TnCs. These TnCs form a legally binding contract between Dreampurse and You for the use of CRED Wallet. You agree and acknowledge that you have read and agreed to these TnCs.

Dreampurse reserves the right, in its sole discretion, to change, amend or otherwise modify the TnCs at any time, without prior notice, and Your continued access or use of CRED Wallet and the Dreampurse Services affirms Your consent of the updated, amended or modified TnCs from time to time. If You object to these TnCs or any subsequent amendment or modification of these TnCs in any way, Your only recourse is to immediately terminate use of CRED Wallet and the Dreampurse Services, for which we request you to initiate the process for closure of Your CRED Wallet. We may require You to agree to additional terms (if any) between You and Dreampurse in connection with specific services that You may avail from us from time to time.

Dreampurse shall make CRED Wallet available to some or all of the Users at its sole discretion. Dreampurse may also suspend or discontinue offering CRED Wallet for any User at its sole discretion.

You agree that:

(a) CRED Wallet provides You access and services through Your account with CRED, and that the Dreampurse Services may be provided to you by virtue of such account. By accessing the Dreampurse Services, you agree to CRED sharing all details / information regarding You and Your CRED account to Dreampurse for Dreampurse to be able to provide the Dreampurse Services to you;

(b) CRED has partnered with Dreampurse to allow Dreampurse to issue and operate wallets (i.e. the CRED Wallet) on the CRED App. CRED is not issuing any prepaid payment instrument directly to You. CRED is only providing its mobile application to Dreampurse for Dreampurse to issue such PPIs in the form of CRED Wallet, and provide Dreampurse Services to You;

(c) You will not use CRED Wallet in a manner that violates any applicable laws or regulations;

(d) You will use CRED Wallet only for personal non-commercial purposes;

(e) all details and information you submit while using CRED Wallet (including while undergoing the KYC process) is true, accurate, current, and complete, and you agree to maintain true, accurate, current, and complete up-to-date information in your account while using CRED Wallet;

(f) You are responsible for maintaining the confidentiality of the access credentials of Your account, and You are fully responsible for all the activities carried out therein, for Your credentials that are used to access Your account and authorise transactions on CRED Wallet, including restricting access to Your device in which You shall be accessing CRED Wallet;

(g) You agree that You are aware and responsible for all transactions taking place through your account. You shall continue to be responsible for the transactions in your account, if you knowingly or negligently (i) grant any other person access to Your account, (ii) permit them to transact on Your account, or (iii) transact on any other person's behalf or directions; whether by sharing one-time passwords or in any other manner;

(h) You will ensure to immediately notify Dreampurse of any unauthorized use of your access to CRED Wallet or any breach of security;

(i) You shall not indulge in decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with CRED Wallet, including our copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices;

(j) You shall not access or use CRED Wallet in any manner that (i) may be harmful to the operation of CRED Wallet or its content; (ii) may be unlawful; (iii) maybe harmful to CRED, Dreampurse, or to any other User; (iv) may hinder the other User's enjoyment of CRED or CRED Wallet; (v) to defraud other Users, CRED, Dreampurse, or any commercial partner; or (vi) launder money.

(k) You shall not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus, other harmful component or malicious content, or otherwise impair or damage the CRED App, CRED Wallet, or any connected network, or otherwise interfere with any person or entity's use or enjoyment of CRED Wallet.

(l) You shall not delete or modify any content of the CRED app or CRED Wallet.

(m) Your use of CRED Wallet shall indicate that you have provided consent to automatically receive updates such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, 'Updates'), for the purpose of effective delivery of the Dreampurse Services. Do note that your continued use of CRED Wallet following such Updates would mean deemed acceptance by you of the same.

(q) You understand and accept that not all products, services and rewards offered on CRED Wallet are available in all geographic areas and you may not be eligible for all the products, services and rewards offered by Dreampurse on CRED Wallet or other CRED Platforms. Dreampurse reserves the right to determine the availability and eligibility for any product, services and rewards offered on CRED Wallet or any CRED Platform.

(r) If your device has been lost or stolen, you shall immediately request CRED or Dreampurse to block Your account and change the passcode for the account immediately.

(s) If you decide to delete your CRED Account, you would first be required to close the CRED Wallet, by initiating a closure request as set out herein. You acknowledge that Your CRED Account cannot be closed / deleted without the CRED Wallet being closed first. You also acknowledge that irrespective of the closure of your CRED Account, Dreampurse may be required to retain certain data of Yours as required under applicable laws, and such data will be stored and governed by Dreampurse's Privacy Policy set out in https://dreampurse.in.

(t) You will be allowed to use only one CRED Wallet at any given time. At Dreampurse’s discretion, as a part of this CRED Wallet, you may be provided cashbacks / coupons either directly to Your CRED Wallet or to certain sub- wallets. Dreampurse may impose restrictions on the use-case for which such cashback in the sub-wallets will be redeemable by You, including making them redeemable against only specific merchants. This shall be communicated to You at the time of providing such cashback / coupon.

(a) You hereby explicitly provide consent to Dreampurse to undertake your KYC verification process, including to link to third parties' portals / webpages in order to search relevant information regarding You and Your KYC. We may conduct KYC through prescribed mechanisms under the KYC Framework and as per our KYC requirements, which may include obtaining information and / or validation of your identity through third party authorised service providers such as but not limited to DigiLocker, Central KYC Records Registry (CKYCR), Unique Identification Authority of India (UIDAI), Protean e-Gov, etc. During this process, you may be required to accept the terms and conditions of such third-party service providers or any other authority whom you authorise to share your Information with us. You hereby provide your express consent to Dreampurse to undertake such KYC, and confirm that all KYC documents procured by Dreampurse during this process are accurate and valid.

(b) Where You choose to undergo minimum KYC for your CRED Wallet, You will be required to provide minimum details such as mobile number verified with a One Time Password, self-declarations of Your name and Your valid KYC records (as required under applicable laws). Upon completion of this minimum KYC, You will be issued a minimum KYC CRED Wallet (i.e. a small PPI / a small KYC CRED Wallet). If you are facing any issues with Your self-declaration process, please reach out to support@dreampurse.in

(c) This minimum KYC CRED Wallet will be subject to lower limits as set out in the section on ‘Payments from CRED Wallet’ below. If You wish to upgrade your CRED Wallet to avail of higher limits, you will need to complete the entire KYC processes set out below. Users with a minimum KYC CRED Wallet must complete the entire KYC process set out below within 2 (two) years of creating the wallet, to enjoy continued use of the CRED Wallet. If such KYC is not successfully completed within this timeline, Dreampurse will not permit any further credits to the CRED Wallet. However, You will be allowed to use the existing balance.

(d) Where You choose to undergo a non-face-to-face KYC verification, You declare and confirm that the address and other details displayed to You during the KYC journey (as fetched from CKYCR, Digilocker, or any other permitted source) are Your correct and up-to-date details, and that you will inform Dreampurse in case of any changes to the same.

(e) Where You choose to undergo a video KYC verification, You agree that:(f) Upon completion of the entire KYC process, Dreampurse may submit your KYC records with the CKYCR in accordance with the applicable RBI guidelines and other applicable laws.

(g) Once you successfully complete the above KYC process in entirety (which may include downloading records from CKYCR, Video KYC verification, liveliness check, physical address verification, PAN check, bank account validation, fraud screening, etc) as required under KYC Framework and Our KYC policy, We will issue you Full KYC reloadable PPI, as visible on the CRED mobile application.

(h) At any point in time, if Dreampurse identifies or is notified of a failure in the KYC verification process, it reserves the right to suspend / close your CRED Wallet, and We may, at Our discretion, re-open the same only upon You furnishing additional details requested by Us.

(i) The CRED Wallet may be loaded by You using such instruments as permitted under applicable laws, as set out in these TnCs.

(j) Users who chose to undergo a non-face-to-face KYC process must complete a full face-to-face video KYC verification within one year of the issuance of the wallet, for continued use of the CRED Wallet, failing which Dreampurse may automatically close your CRED Wallet.

(k) You also agree that if you chose to undergo a non-face-to-face KYC process, Dreampurse reserves the right to require you to undertake a video KYC verification at any point in time at its discretion, and has the right to suspend or permanently stop Your use of the CRED Wallet until the same is complete.

(l) Users who chose to undergo a non-face-to-face KYC process shall also be subject to a maximum loading amount of INR 2,00,000 in a financial year, until they undergo the video KYC verification process.

(m) The CRED Wallet issued to You is valid indefinitely, unless suspended or closed in accordance with these TnCs. This validity period may be modified by Dreampurse at its sole discretion.

(n) You agree to furnish any additional details or information Dreampurse may require from you from time to time.

(o) Where You do not conduct any financial transactions on Your CRED Wallet for a continuous period of 1 (one) year, Dreampurse reserves the right to treat Your CRED Wallet as inactive, and may decide to suspend or close your wallet in accordance with these TnCs. If you wish to reactivate the CRED Wallet, please reach out to support@dreampurse.in.

(p) Issuance of CRED Wallet might be subject to additional due diligence, which may include but not be limited to reviewing and validating the credentials provided by You as part of the Your wallet onboarding journey, internally or using other third party service providers, or conducting any sanctions check as notified by regulators, or as per our risk management processes.

(q) Dreampurse shall have the absolute discretion on whether or not to issue a CRED Wallet to You. You shall not be entitled to become a CRED Wallet holder by merely sharing the required data.

(r) The KYC requirements are defined by the regulator(s) and are updated from time to time and may involve fetching Your KYC data from various sources permitted by the regulator. You authorize Dreampurse to fetch data and agree to the terms and conditions of any KYC service provider and its data sharing terms for providing such KYC data to Dreampurse.

(s) You understand and confirm that Your KYC data provided to Dreampurse may be used for evidentiary purposes, including for submission before regulatory bodies/ judicial or quasi-judicial bodies / auditors/ mediators or arbitrators and you hereby provide your consent to the same.

(t) The features and restrictions (such as loading restrictions, spend restrictions, etc.) of the CRED Wallet are subject to Dreampurse's internal risk assessment, and may be modified at Dreampurse's sole discretion from time to time. We may restrict Your access to Your CRED Wallet or report Your account to LEAs or other regulators. You understand that We may or may not communicate the above action to You. This is part of our transactional risk management practice to keep Your CRED Wallet and ecosystem secure for our users and merchants.

You may load your CRED Wallet by transferring funds from Your bank account via UPI, or by using Your credit card. You agree to use funds from only Your own account while loading the CRED Wallet for the first time. However, you will not be able to use debit cards, cash, or netbanking to add/load amount to your CRED Wallet. No interest will be paid on the amounts loaded and stored in Your CRED Wallet at any point in time.

(a) You may use your CRED Wallet to make payments to certain merchants identified and enabled by Dreampurse. For this, Dreampurse may deploy the services of any other third party payment gateways or payment aggregators.

(b) To enable such transactions, we may be required to share your data with the identified merchants on a need-to-know basis. You hereby provide your express consent to Dreampurse to share such data in accordance with our Privacy Policy.

(c) Where You have opted for a minimum KYC CRED Wallet, Your wallet will be subject to the following restrictions:(d) Where you have successfully completed your entire KYC as set out above, You may also use Your upgraded CRED Wallet to make payments to individual beneficiaries, subject to them being pre-registered on the CRED Wallet as a beneficiary. For pre-registering these beneficiaries, You will need to provide the correct bank account / recipient account details of such beneficiaries. Dreampurse shall not be responsible for any mistakes made by you while pre-registering beneficiaries, including any payments made by You to such incorrectly registered beneficiaries.

(e) Where you onboarded using non-face-to-face KYC, Your use of the CRED Wallet will be subject to the following restrictions. If you want to upgrade these limits, you will need to undergo the video KYC verification:(f) Where you onboarded using video KYC, your use of the CRED Wallet will be subject to the following restrictions:(g) No cash withdrawal will be permitted at any point in time, to any User.

(h) You agree and acknowledge that Dreampurse is only a facilitator and is not and cannot be a party to or control in any manner any transactions relating to purchase of goods and/or services or any remittances made by You using CRED Wallet.

(i) Dreampurse is not liable / responsible for purchases made by You with any merchant, including any defect in the product / merchandise / goods or services purchased / availed using CRED Wallet. Dreampurse shall not mediate or resolve any dispute or disagreement between you and the banks or merchants. Any such dispute or claim regarding the above must be resolved by You with the relevant merchants or third parties directly.

(j) While making any payments using CRED Wallet, You shall be responsible for ensuring that there are sufficient funds in your account. Dreampurse will not be liable for any insufficiency of funds in your CRED Wallet.

Dreampurse has enabled Unified Payments Interface ("UPI") functionality on CRED Wallet in accordance with the guidelines issued by the Reserve Bank of India (“RBI”) and the National Payments Corporation of India (“NPCI”) allowing You to use Your CRED Wallet balance for UPI based payments and fund transfers via the CRED App (“CRED Wallet UPI”). By registering for and using CRED Wallet UPI, You agree to be bound by these additional terms:

(a) Once registered for the CRED Wallet, if you want to log out from CRED Wallet, you may do so by logging out of your CRED account.

(b) In case You want to close Your CRED Wallet, You can follow the steps set out in the CRED App for initiating a closure request.

(c) Any balance lying in your CRED Wallet will first be transferred to Your pre-designated bank account before any closure. Further, in case any transaction on the CED Wallet is outstanding / not yet settled at the time of You initiating a closure request, the request will be processed only after such transaction is settled.

(d) After any closure of the CRED Wallet, Dreampurse will retain Your data for as long as required by Dreampurse to comply with applicable Laws. Your data will be stored and governed by Dreampurse's Privacy Policy set out in https://dreampurse.in.

(e) You agree and acknowledge that there can be certain risk-based scenarios when Your CRED Wallet may not be immediately closed but suspended and then eventually closed which is solely based at the discretion of Dreampurse.

(f) You further understand that once Your CRED Wallet is closed, Dreampurse may not be able to reinstate Your CRED Wallet and may sometimes not allow You to create a new wallet as per regulatory directives or based on Dreampurse's internal policies.

(g) If you decide to delete your CRED Account, you would first be required to close the CRED Wallet, by initiating a closure request as set out herein. You acknowledge that Your CRED Account cannot be closed / deleted without the CRED Wallet being closed first. You also acknowledge that irrespective of the closure of your CRED Account, Dreampurse may be required to retain certain data of Yours as required under applicable laws, and such data will be stored and governed by Dreampurse's Privacy Policy set out in https://dreampurse.in.

(h) For any closure request, we may require you to furnish additional information

(including bank account details) and furnish additional KYC details.

(i) You acknowledge that your CRED Wallet shall always be linked to the mobile number you registered it on, and that you shall always continue to maintain the same as an active mobile number issued by Indian telecom service providers. In case you plan to surrender or deactivate this mobile number used to register your CRED Wallet, please ensure you either close the CRED Wallet before surrendering / deactivating, or You update your mobile number with us by reaching out to us at support@dreampurse.in before surrendering / deactivating. Dreampurse shall not be liable for any loss of access to the CRED Wallet due to a failure to do the above.

We may charge you a fee on certain transactions or the use of CRED Wallet (such as when loading the CRED Wallet with a credit card); where you will be notified of such applicable fees, prior to the completion of any transaction. By clicking 'Proceed' / 'Submit' / 'Continue' or any other similar button on CRED Wallet, You shall be deemed to have consented to the fees displayed on the said page.

As on the date of publishing these TnCs, the fees proposed to be charged by Dreampurse for various transactionsare as follows. Please note that this may change from time to time at Dreampurse's sole discretion, and shall be notified to you on the CRED App before you initiate the relevant transaction.

(a) You agree that once you initate a transaction through CRED Wallet, Dreampurse will treat the same as final, and no CRED Group Company shall be responsible for any error and omission by You or merchant partners in such transaction. Such transactions cannot be refunded, returned or cancelled once initiated.

(b) If you erroneously processed a payment to an unintended recipient or processed a payment for the wrong amount (for instance a typographical error at your end), Your only recourse will be to contact the recipient directly.

(c) In case We receive a refund for a transaction which You have processed earlier, We will automatically refund the amounts back to the source account, i.e. the CRED Wallet, unless specified or directed by You otherwise. No refunds will be provided in cash.

(a) If We believe that you have violated any of the conditions as mentioned under these TnCs, our Privacy Policy, or any agreements consented to via the CRED App / CRED Wallet, we reserve the right to suspend your access to CRED Wallet / CRED App and/or delete your account without prior notice to You. In such cases, the existing balance in the CRED Wallet shall be transferred to the pre-designated bank account (as provided by You).

(b) If you have provided any incorrect or incomplete information / documents / declarations to Dreampurse, whether as part of your KYC verification or otherwise, You agree that Dreampurse reserves the right to refuse activation / to deactivate your CRED Wallet, and to report such incidents to law enforcement agencies or regulators as required under applicable laws. You understand that We may or may not communicate the above action to You.

(a) You agree to use CRED Wallet features only for the intended purposes and not for money laundering, terrorist financing, illicit payments or any other use which is either prohibited by law or is unethical. (b) You agree that You shall be solely responsible for any unauthorised use of CRED Wallet. (c) In particular you also agree not to use the CRED Wallet feature to pay any amount directly or indirectly for the following good / services:

We collect, hold, use and transfer your personal data in accordance with our Privacy Policy. By agreeing to the TnCs, you also hereby agree to our Privacy Policy (available here: https://dreampurse.in), which may be updated and/or modified by us from time to time. You understand and agree that any data provided by you in connection with the Dreampurse Services may be shared with our subsidiaries, affiliates or business partners, or any CRED Group Entity, and/ or used by us for enhancing the Dreampurse Services, in accordance with applicable laws, including but not limited to creating new products. Please refer to the Privacy Policy for further clarity on the subject.

Per the provisions of the TnCs herein, You agree to indemnify, defend and hold harmless Dreampurse, CRED, the CRED Group Entities, and each of their respective directors, officers, owners, employees, partners, members, agents, representatives, co-branders and other applicable third parties (collectively “Indemnified Parties”) from and against any and all claims, demands, damages, causes of action, cost, debt, expenses or liability, including reasonable attorney's fees, incurred by the Indemnified Parties arising out of, related to, or which may arise from: (a) Your use of and access to the CRED App, CRED Wallet, and the Dreampurse Services;

(b) any breach or non-compliance or violation by You of any TnCs or the terms of any third parties involved in provision of Dreampurse Services;

(c) any dispute or litigation caused by Your action or omission;

(d) Your negligence or violation of any applicable laws or right of a third party; including any intellectual property right or privacy right; or

(e) any claim that Your use of the CRED App, CRED Wallet, or Dreampurse Services caused damage to a third party.

In no event shall Dreampurse, its group entities, their officers, shareholders, subsidiaries, associate companies, directors, employees and agents, partners, co-branders, licensors, licensees, consultant, or contractors be liable to You or any third party for any indirect, special, incidental, punitive or consequential damages, or losses whatsoever, lost data or lost profits, goodwill and/or other intangible loss / opportunity etc., arising out of or in connection with Your usage of or inability to use the Dreampurse Services and/or the CRED App and / or CRED Wallet, Your access to, display of or use of the same or with the delay or inability to access, display or use the same, whether in an action of tort, contract, negligence or other action, and regardless of whether Dreampurse has been advised of the possibility of such damages.

Further, notwithstanding anything contained otherwise, under no circumstance shall the total cumulative liability of Dreampurse and its group entities to You in connection with the Your use of the Dreampurse Services, CRED App, CRED Wallet, or all damages, losses and causes of action (whether arising under contract or otherwise) arising from these Terms of exceed INR 10,000 (Indian Rupees Ten Thousand only).

Any dispute, conflict, claim or controversy arising out of or broadly in connection with or relating to the Dreampurse Services or these TnCs, including those relating to its validity, its construction or its enforceability shall be first raised by the user to support@dreampurse.in. If such Dispute has not been settled within sixty (60) days after the User reaches out to the aforementioned email ID, such Dispute can be referred to and shall be exclusively and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996 (“Act”). Provided, however, when Dreampurse raises any dispute, Dreampurse may directly initiate arbitration in accordance with this clause. The Dispute shall be resolved by one (1) arbitrator to be appointed by Dreampurse. The place the arbitration shall be Bangalore, India. The language of the arbitration shall be English. The existence and content of the arbitration proceedings, including documents and briefs submitted by the parties, and correspondence, orders and awards issued by the sole arbitrator, shall remain strictly confidential and shall not be disclosed to any third party without the express written consent from the other party unless: (i) the disclosure to the third party is reasonably required in the context of conducting arbitration proceedings; and (ii) the third party agrees unconditionally in writing to be bound by the confidentiality obligation stipulated herein.

These User Terms shall be governed and construed in accordance with the laws of India.

Dreampurse or CRED shall not be liable for any failure or delay to perform any of their obligations if such performance is prevented, hindered or delayed, in part or entirely, by any Force Majeure event beyond the control of Dreampurse (such as war, sabotage, fire, flood, pandemic, epidemic, explosion, earthquake, acts of god, acts of third parties, civil commotion, lock down, strikes or industrial action of any kind, riots, insurgency, acts of government/regulator, breach of computer systems, malfunctioning of computer systems/ servers by any malicious code or virus, mechanical or technical errors/failures, power shutdown, failures in telecommunication or internet services etc.).

Dreampurse reserves the right to withdraw/ suspend the Dreampurse Services so long as the Force Majeure event continues.

CRED App, CRED Wallet, CRED Website, CRED logos, the CRED Platform, and the Dreampurse Services are protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. No information, content or material from the CRED App including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, tradenames may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without Dreampurse's express written permission. You are hereby given a limited licence to use the CRED App and CRED Wallet, subject to your agreement of these TnCs.

CRED, CRED Group Entities, and its licensors, if any, are the sole owners of the underlying software and source code associated with the CRED App and CRED Platforms as well as any other intellectual property rights of any other nature associated with the CRED App, CRED Platforms, CRED Wallet, and their content.

When you upload, submit, store, send or receive content that may include feedback to or through the CRED App, you give CRED and CRED Group Entities a worldwide, perpetual licence to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. This licence shall not expire even if it is not used by CRED or CRED Group Entities. The rights you grant in this licence are for the limited purpose of operating, promoting, and improving the CRED Services, and to develop new ones. This licence continues even if you stop using the CRED Services.

All information and content including any software programs available on or through CRED Wallet is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any such content available on or through CRED Wallet for commercial or public purposes.

If You have comments regarding the Dreampurse Services and/or CRED Wallet and / or CRED App or ideas on how to improve it, please contact our customer service. Please note that by doing so, You hereby irrevocably assign to CRED or Dreampurse, as the case may be, and shall assign to CRED or Dreampurse, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

You hereby agree to comply with any and all applicable tax laws in connection with your use of the CRED App, CRED Wallet, Dreampurse Services, including without limitation, the reporting and payment of any taxes arising in connection with payments made through the CRED App, or funds/income received through the Dreampurse Services.

You shall not transfer or assign any of Your rights and obligations arising from these TnCs. You agree and acknowledge that Dreampurse may assign or transfer its rights and obligations under these TnCs in whole or in part, to (i) any other CRED Group Entity; (ii) an acquirer of CRED or any CRED Group Entity or their respective equity interest, business or assets; or (iii) a successor entity resulting from any corporate action including mergers or demergers.

No joint venture, partnership, employment or agency relationship exists between you, CRED, Dreampurse, CRED Group Entities or any third party as a result of the contract contained in these TnCs.

If any provision of these TnCs is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these TnCs but the legality, validity and enforceability of the other provisions in these TnCs shall not be affected. In that event, Dreampurse shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these TnCs.

These TnCs (together with any additional terms displayed in specific sections of the CRED App or CRED Website) constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter.

We may amend these TnCs at any time by posting an updated version on the CRED App. The updated version of these TnCs shall supersede the previous version of the TnCs and take effect immediately upon posting.

You have the right to opt-out of agreeing to these TnCs or any future updated version of the TnCs, by ceasing to use CRED Wallet. However, please be aware that your continued use of CRED Wallet and / or the Dreampurse Services from the launch of any updated TnCs would mean deemed acceptance of such updated TnCs including any modification thereof. We recommend you keep checking the TnCs often to be familiar with any updates and changes.

If you have any concerns, complaints or grievances about the terms or other Users or their manner of use of the application infringe or violate your rights or any complaints about how we handle your personal information, please feel free to contact customer support within CRED Wallet, or the Grievance Officer any time at support@dreampurse.in. For more information on Dreampurse's customer grievance redressal framework, please visit https://dreampurse.in.

If you are an existing HipBar wallet user, then:

(a) You may choose to convert the HipBar wallet to a CRED Wallet, and transfer the residual balance from your existing HipBar wallet to the CRED Wallet. For any support with respect to the same, please reach out to us at support@dreampurse.in.

(b) Alternatively, You may choose to close your HipBar wallet and claim a refund of the residual balance through your existing HipBar app or by filling the HipBar Wallet Refund form.

(c) For any questions or further assistance, reach out to us at support@hipbar.com/ support@dreampurse.in