TERMS AND CONDITIONS

INTRODUCTION

These Terms constitute a legally binding agreement (“Agreement“) between you / end

customer (collectively “Users”) and Sharpskill Infra Developers Private Limited with a

brand name of HOABL (“House of Abhinandan Lodha”) including all it’s affiliate

companies governing your access to and use of the HOABL application program

interfaces, including any sub-domains thereof, and any other websites through which

HOABL makes its services available (collectively, “Platform“), our mobile, tablet and

other smart device applications, and application program interfaces (collectively,

“Application“) and all associated services (collectively, “Services“). The Platform,

Application and Services together are hereinafter collectively referred to as the

“Platform/Portal”.

When these Terms mention “HOABL,” “we,” “us,” or “our,” it refers to the HOABL

company you are contracting with having its registered office at 7

Floor, Lodha

Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai, Maharashtra

- 400011 (hereinafter referred to as “HOABL”, “We”, “Us” or “Our”).

This document is an electronic record in terms of the Information Technology Act,

2000 and Rules thereunder as applicable and the amended 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.

MERELY A PLATFORM

• By using the Platform, Users agree to comply with and be legally bound by this T&C

and become a registered User of the Platform. These T&C govern Users access to the

Platform and use of the Platform and constitute a binding legal agreement between

Users and HOABL. Accessing or otherwise using the Platform indicates Users

agreement to all the terms and conditions under these T&C. So please read the T&C

carefully before proceeding.

• Users acknowledge and agree that through the Platform HOABL provides Users with

access to a variety of resources and services including but not limited to showcasing

various properties/projects/sites which are acquired, constructed and being

developed by HOABL (collectively referred as “Investment Projects”) which shall be

showcased on its Application for the Users to enquire and research upon the

Investment Projects. Further, Users who have already invested or invest in the

Investment Projects of HOABL shall have an exclusive access to various

resources/features on the Application which will provide such Users to keep a track

of their Investment Projects digitally.

• We reserve the right, at our sole discretion, to change, modify, add or remove portions

of these T&C, at any time without any prior written notice to Users. It is the User’s

responsibility to review these T&C periodically for changes updates/changes. Users

continued use of the Platform following the posting of changes will mean that Users

accept and agree to the revisions. As long as Users comply with these T&C, we grant

Users a personal, non-exclusive, non-transferable, limited privilege to use and enter

the Platform. Users agree that User’s use of the Platform shall be strictly governed by

this T&C.

• Our Platform and Services may have different features and offerings in future. In lieu

of the same, additional terms or requirements may apply to User’s use of those

features or offerings. If additional terms are available for the specific services of the

User’s use, those additional terms become part of these T&C.

REGISTRATION

• The User shall be entitled to use the Platform upon completion of the registration

process as provided on the Platform. The registration process involves creating of a

User’s registered mobile number, after providing basic information about themselves

as name, sex, email, age address, telephone etc., and accordingly create an

account (“Account”).

• Only after completing the registration process, a person becomes a registered User

with HOABL who shall be entitled to use the Platform.

• The Users understand and agree that HOABL may screen and verify the information

provided by the User and at its sole discretion, increase the amount or number of

information for the registration process and may ask for further information even after

the registration process. HOABL may in its sole discretion, close the account of any

User, if any information provided is found to be false or the information provided is

not sufficient.

• You shall ensure that the registration data provided by You must be accurate,

complete, current, and true. We shall bear no liability for false, incomplete, old, or

incorrect registration data provided by You.

• You hereby expressly consent to receive communications from Us through Your

registered phone number and/or e-mail id. You consent to be contacted by Us via

phone calls/SMS notifications. You agree that any communication so received by You

from Us will not amount to spam, unsolicited communication or a violation by Us.

• You are solely responsible for maintaining the confidentiality of Your registration data

and will be liable for all activities and transactions that occur through Your account,

whether initiated by You or any Third Party. The password and other details of the

account should not be shared with any Third Party. Your account is non-transferable

and is not capable of being sold to a Third Party. We shall not be liable for any loss

that You may incur as a result of someone else using Your password or account, either

with or without Your knowledge.

• In the event of any change in the said information, You agree to promptly update Your

account information to ensure that the communications We intend to send to You are

promptly delivered to You and are not sent to any other entity/third party.

• We reserve the right to suspend or terminate Your account with immediate effect and

for an indefinite period, if We have a reason to believe that the registration data or any

other data provided by You is incorrect or false, or that the security of Your account

has been compromised in any way.

• We allow You to open only one account in association with registration data provided

by You. In case of any unauthorized use of Your account please immediately reach Us

at the Email: care@hoabl.in. In case, You are unable to access Your account please

inform Us at Email: care@hoabl.in and make a written request for blocking Your

account. We will not be liable for any unauthorized transactions made through Your

account prior to You making a request in writing for blocking and We shall require at

least 72 (Seventy Two) hours to process your request unless in case of force majeure

events which are beyond Our reasonable control.

USING THE PORTAL

1. The Users agree to receive email/SMS/phone calls/letters from Us/ other

registered Users (as the case may be) in order to use the Platform and avail

Services provided by Us.

2. The Users agree that Our services under the Platform are non-transferrable.

The Users further agrees that We may put further terms and conditions in

relation to the use of our Portal.

3. The User herby accepts the terms and conditions by providing the mobile

number/ email-id on the Platform to receive an OTP for login, the user agrees

that we may notify the user by the means of WhatsApp/ SMS/ E-Mail about

new Investment Project and any other schemes from time to time on their email

id and/ or their mobile number.

4. The User agrees and permits Us to accesses files/photos/contacts and other

media for the purpose rendering Services to the User. The User hereby

acknowledges and confirms that any and all media shared by such User to Us

shall be true and accurate. It shall bear no liability on Us if any such

files/photos/contacts or media content is proved to be misleading or violates

any provisions of the applicable law.

5. The User agrees and consents that in order for Us to accesses files and photos

or any media, the User permits the accesses to camera and files of the User. We

declare that such media shared by the User shall be governed as per Our Privacy

Policy

6. The User further consents and agrees to permit Us to accesses the User’s

location via GPS or any other similar technology for the purpose of rendering

Services, We shall not hold any liability or responsibility in case of any issues

arises with such a technology or if such a permission is disallowed, for the

proper rendering of Services or from any damage or injury arising therefrom.

7. The user consents and allows Us to acquire biometric data, facial recognition,

pattern lock key and password for the purpose of security of the User himself

to safeguard the access of the platform and thereby protection of the concerned

data.

8. We assume no responsibility, and shall not be liable for, any damages to, or

viruses that may infect User’s equipment on account of User’s access to, use of,

or browsing the Platform or the downloading of any material, data, text, images,

video content, or audio content from the Platform.

9. The User agrees that any data/information provided on the portal is subject to

change depending on various external factors beyond our control. Such

information includes but is not limited to the Pricing Investment Projec, area of

land, number of customers, average appreciation, images of the property, and

any related or unrelated information provided thereof.

10. The User agrees and acknowledges that any representations made in the portal

such as but not limited to images of the Investment Project, Description of

HOABL, its directors any other information provided by HOABL on the Portal,

are true to the fullest knowledge of HOABL and the user shall not dispute the

same.

11. The user is solely responsible to do a background check/ due diligence of the

Investment Projects before making any investments. HOABL shall not be

responsible for any liability arising out of lack of due diligence on the part of

the User.

12. The User acknowledges and frees HOABL from any liability arising out of any

mathematical, financial, statistical and /or analytical data provided in the

portal, as such data is merely for reference and should be understood as an

approximate projection. This data does not in any manner represent accurate

value to its fullest extent and is also subject to change on external factors

beyond the control of HOABL.

13. The details about the Investment Project provided on the portal such as but not

limited to location details, nearby landmarks, distance from landmarks etc, are

for reference and approximate in nature. HOABL cannot be held liable in case

of any inaccuracy realized therein.

14. Any representations made in the portal by HOABL regarding RERA details are

true to the fullest extent of the HOABL’s knowledge. HOABL cannot be held

liable for any misrepresentations which we believe to be true.

15. The User agrees and acknowledges that any brand promises provided on the

portal are not legally binding guarantees and therefore have no legal effect of

enforceability.

16. If a User is dissatisfied with the Portal, the User’s sole remedy is to discontinue

using the Platform. If We determine that You have provided fraudulent,

inaccurate, or incomplete information, including through feedback, We reserve

the right to immediately suspend your access to the Platform or any of your

Accounts with Us.

17. The User shall be liable to indemnify HOABL for any losses incurred as a result

of your misrepresentations or fraudulent feedback that has adversely affected

HOABL.

18. The Platform is provided by HOABL on an “as is” and “as available” basis, and

without any warranties or conditions (express or implied, including the implied

warranties of merchantability, accuracy, fitness for a particular purpose, title,

and non-infringement, arising by statute or otherwise in law or from a course

of dealing or usage or trade). HOABL does not provide or make any

representation, warranty, or guarantee, express or implied about Platform or

Services.

19. HOABL does not guarantee the accuracy or completeness of any content

available on the Platform. To the fullest extent permitted by Applicable Law,

HOABL disclaims all liability arising out of the Users use or reliance upon the

Platform, the Services, representations, and warranties made by Users, the

content or information provided by the Users on the Portal.

20. This disclaimer of liability applies to any damages or injury caused by any

failure of performance error, omission, interruption, deletion, defect, delay in

operation or transmission, computer virus, communication line failure, theft or

destruction or unauthorized access to, alteration of or use of record, whether

for breach of contract, tortious behavior, negligence, or under any other cause

of action.

21. User specifically acknowledges that HOABL is not liable for the defamatory,

offensive or illegal conduct of other users or third parties and that the risk of

injury from the foregoing rests entirely with the User.

22. In addition to the terms set forth above, HOABL, nor its affiliates, information

providers or content partners shall be liable regardless of the cause or duration,

for any errors, inaccuracies, omissions, or other defects in the information

contained within the website, or for any other claims or losses arising therefrom

or occasioned thereby.

23. The Platform may be linked to the website of third parties, affiliates and

business partners. HOABL has no control over, and is not liable or responsible

for content, accuracy, validity, reliability, or quality of such websites or made

available by/through its Platform.

24. The inclusion of any link on the Platform does not imply that HOABL endorses

the linked site. Users may use the links and the Services at their own risk.

HOABL reserves the right to store, share and display the information provided

by the User in accordance with its Privacy Policy.

You understand and agree that You are solely responsible for compliance with any and

all laws, rules, regulations, and tax obligations that may apply to Your use of the

Platform and Services. In connection with Your use of the Platform and the Services

You may not, and You agree that You will not:

1. violate any local, state, national, or other law or regulation, or any order of a court,

including, without limitation, tax regulations;

2. use manual or automated software, devices, scripts, robots, backdoors or other means

or processes to access, “scrape,” “crawl” or “spider” any web pages or other services

contained in the Platform;

3. use the Platform for any commercial or other purposes that are not expressly

permitted by these T&C or in a manner that falsely implies HOABL’s endorsement,

partnership or otherwise misleads others as to Your affiliation with HOABL;

4. dilute, tarnish or otherwise harm the HOABL’s brand in any way, including through

unauthorized use of Data, registering and/or using HOABL or derivative terms in

domain names, trade names, trademarks or other source identifiers, or registering

and/or using domains names, trade names, trademarks or other source identifiers

that closely imitate or are confusingly similar to HOABL domains, trademarks,

taglines, promotional campaigns or

5. infringe the rights of HOABL or the rights of any other person or entity, including

without limitation, their Intellectual Property Rights, privacy, publicity or contractual

right

6. interfere with or damage Platform or Services, including, without limitation, through

the use of viruses, cancel bots, Trojan horses, harmful code, flood pings, denial-of-

service attacks, backdoors, packet or IP spoofing, forged routing or electronic mail

address information or similar methods or technology;

7. Use Our Platform in connection with the distribution of unsolicited commercial email

(“spam“)

8. “stalk” or harass any other User of Our Portal, or collect or store any personally

identifiable information about any other User other than for purposes of transacting

as a User;

9. register for more than one Account or register for an Account on behalf of an individual

other than Yourself;

10. engage in disruptive, circumventive, abusive or harassing behavior in any area or

aspect of Our Platform or Platform Services;

11. post, upload, publish, submit or transmit any information that: (i) infringes,

misappropriates or violates a Third Party’s patent, copyright, trademark, trade secret,

moral rights or other Intellectual Property Rights, or rights of publicity or privacy; (ii)

violates, or encourages any conduct that would violate, any applicable law or

regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading

(directly or by omission or failure to update information) or deceptive; (iv) is

defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination,

bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is

violent or threatening or promotes violence or actions that are threatening to any other

person; or (vii) promotes illegal or harmful activities or substances;

12. systematically retrieve Data or other content from Our Platform to create or compile,

directly or indirectly, in single or multiple downloads, a collection, compilation,

database, directory or the like, whether by manual methods, through the use of bots,

crawlers, or spiders, or otherwise;

13. use, display, mirror or frame the Platform or any individual element within the

Platform, HOABL’s name, any HOABL trademark, logo or other proprietary

information, or the layout and design of any page or form contained on a page in the

Platform without HOABL’s express written consent;

14. access, tamper with, or use non-public areas of the Platform or Platform Services,

HOABL’s computer systems, or the technical delivery systems of HOABL’s providers;

15. attempt to probe, scan, or test the vulnerability of any HOABL system or network or

breach any security or authentication measures;

16. avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any

technological measure implemented by HOABL or any of HOABL’s providers or any

other Third Party (including another User) to protect the Platform and Platform

Services.

17. It is possible that other Users (including unauthorized Users or “hackers”) may post

or transmit offensive or obscene materials on the Platform and that You may be

involuntarily exposed to. It also is possible for others to obtain information about You

due to Your use of the Portal, and that the recipient may use such information to

harass or injure You. We do not approve of such unauthorized use, but by using the

Platform You acknowledge and agree that We are not responsible for the use of any

information that You publicly disclose or share with others on the Portal. Please

carefully select the type of information that You publicly disclose or share with others

on the Portal.

18. You will compensate and defend Us fully against any claims or legal proceedings

brought against Us by Third Parties or any other person as a result of Your actions

and/or breach of these T&C.

19. HOABL has the right to investigate and prosecute violations of any of the above. In

addition, and as set in these T&C, HOABL may take a range of actions against You,

including but not limited to deactivating or cancelling Your Account, for a violation of

these T&C.

20. HOABL may access, preserve and disclose any of Your information and User Content

if we are required to do so by law, or if we believe in good faith that it is reasonably

necessary to (i) respond to claims asserted against HOABL or to comply with legal

process (for example, summons or warrants), (ii) enforce or administer Our

agreements with users, such as these T&C, (iii) for fraud prevention, risk assessment,

investigation, customer support, product development and debugging purposes, or

(iv) protect the rights, property or safety of HOABL, its Users, or members of the public.

KYC (Know Your Customer) POLICY

1. This KYC policy shall apply in case of any monetary transaction done with

HOABL or any platform/portal/ application thereof. The KYC policy would be

applicable due to the involvement of the purchase of Investment Projects.

2. User hereby agrees to provide its KYC details including identity proof, Bank

account details, Pan number/Card, and residence proof in accordance with the

concerned law.

3. HOABL presumes that all the given data for KYC verification is true to the

fullest knowledge of the user, and for which HOABL will not be liable to any

extent if the validity of data is proved otherwise. In such a case the sole

responsibility would be that of the User.

4. The User authorizes HOABL to make such enquiries as they may feel necessary

to satisfy themselves about the validity of the User’s identity or KYC details.

5. HOABL reserves the right to terminate any account or transaction thereof, with

or without notice to the User, in the event the KYC documents / information

are found to be incorrect, or the authenticity of the documents / information is

found to be doubtful, pursuant to the KYC Policy in this Terms & Conditions.

6. The data of the User collected by HOABL under the KYC policy is subject to

disclosure in case of any law of the land, order/direction/judgement of a court

of law requiring HOABL to disclose such data/information to the concerned

authorities.

The KYC policy if HOABL is subject to change at any point of time with the

respective law in force and for the same HOABL shall not be held responsible.

ELIGIBILITY

1. Use of the Services, through Portal, or by any other means, is available to persons

who can under Applicable Laws in India enter into a legally binding contract under

Indian Contract Act, 1872, and/ or are not barred by any law for the time being in

force. Persons who are “incompetent to contract” within the meaning of the Indian

Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to

use the Portal.

2. You must be 18 years of age or older to register, in addition to being duly qualified for

the intended use of the Services in any manner. By registering and using the Platform

or accepting this T&C, you represent and warrant to HOABL that you are 18 years of

age or older, and that you have the right, authority and capacity to use the Platform

and the Services available through the Portal. In case of minor, the parent or guardian

can do registration on his/her behalf.

3. You may avail the Services only if You fulfill the conditions as mentioned in this

Clause. If You are not Eligible, please immediately abandon any and all attempts to

4. You acknowledge that We rely completely on the information provided by You and We

shall not be held liable if You or anyone who uses Your account to access the Platform

Services on the Platform is not Eligible to use the same.

5. We reserve the right to refuse, restrict, suspend, limit or terminate any or all Platform

Services provided to any User at any time for any reason. User/ Users who violate any

of the provisions of this T&C will have their access blocked/ members if applicable

revoked and/ or be excluded from Our network.

LICENSE TO USE

1. HOABL by way of its Services and Your use of the Platform provides a nonexclusive,

revocable, non-assignable license to use the Platform of HOABL.

2. The rights granted under the Platform by Us to You are personal in nature and

character and therefore You are not permitted without the prior consent in writing

from Us, to assign, transfer or grant any sub – license to, or otherwise dispose of the

whole or any part of Your right, title, and interest in respect of this Platform to any

Third Party.

PLATFORM AVAILABILITY

1. HOABL shall not be held responsible for non-availability of the Platform and Platform

Services during periodic maintenance operations or any unplanned suspension of

access to the Platform that may occur due to technical reasons or for any reason

beyond HOABL’s control.

2. We do not commit to ensuring that, the Platform will be available at any particular

time.

3. While We shall make best endeavors to ensure proper functioning of the Portal, you

shall not hold Us liable for any loss, or inconvenience suffered due to the unavailability

of features or Platform Services provided on the Portal.

RESTRICTIONS ON USE

1. As a condition of your access to and use of the Portal, you agree that you will comply

with all Applicable Laws and regulations when using the Portal.

2. You agree to use the Platform solely for your own private and internal purposes. You

agree that (a) you will not copy, reproduce, download, re-publish, sell, distribute or

resell any Data, services or any information, text, images, graphics, video clips, sound,

directories, files, databases or listings, etc. available on or through the Portal, and (b)

you will not copy, reproduce, download, compile or otherwise use any content or Data

for the purposes of operating a business that competes with HOABL, or otherwise

commercially exploiting the content. Systematic retrieval of content from the Platform

to create or compile, directly or indirectly, a collection, compilation, database or

directory without written permission from HOABL is prohibited. Use of any content

Data or materials on the Platform for any purpose not expressly permitted in this T &

C is prohibited.

3. You must read the Privacy Policy on the Website which governs the protection and

use of personal information about Users in the possession of HOABL and our affiliates.

You accept the terms of the Privacy Policy and agree to the use of the personal

information about yourself in accordance with the Privacy Policy.

4. You agree not to undertake any action to undermine the integrity of the computer

systems or networks of the Platform and/or any other User nor to gain unauthorized

access to such computer systems or networks.

5. You agree not to undertake any action which may undermine the integrity of the

Portal’s feedback system.

6. By posting or displaying any information, content or material required for registration

and creation of an Account; or in the event any data, files pertaining to You are

uploaded on the Platform in lieu of any new services/features made available to You

in future (“User Content”), You agree to grant Us an irrevocable, perpetual, worldwide,

royalty-free, and sub-licensable (through multiple tiers) license to HOABL to display,

transmit, distribute, reproduce, publish, duplicate, adapt, modify, translate, create

derivative works, and otherwise use any or all of the User Content in any form, media,

or technology now known or not currently known in any manner and for any purpose

which may be beneficial to the operation of the Portal. You confirm and warrant to

HOABL that you have all the rights, power and authority necessary to grant the above

license.

7. You shall at all times ensure full compliance with the applicable provisions of the

Information Technology Act, 2000 and Rules thereunder as applicable and as

amended from time to time and also all Applicable Laws, domestic laws, rules and

regulations statutes, ordinances and regulations regarding Your use of Our service.

8. We reserve the right, but have no obligation, to monitor the materials posted on the

Portal. We shall have the right to remove or edit any content that in Our sole discretion

violates, or is alleged to violate, any Applicable Laws or either the spirit or letter of this

T & C.

OTHER TERMS AND CONDITIONS

INDEMNITY

1. The Users agree to indemnify and hold HOABL, its officers, subsidiaries, affiliates,

successors, assigns, directors, agents, service providers, suppliers and employees,

harmless from any claim or demand, including reasonable attorney fee and court

costs, made by any User/Third-Party due to, or arising out of the User Content,

registration data and any information submitted by the Users, use of any Services by

the User, violation of this T&C, Privacy Policy, breach by the User of any of the

covenants, representations and warranties herein, User’s violation of any rights of

another (including infringement of Intellectual Property Rights) or User’s violation of

any Applicable Law, rules or regulations.

2. The User hereby undertakes to indemnify and keep indemnified HOABL against any

and all losses, claims, liabilities costs etc, which arise out of or relating to the User’s

failure to identify him/herself and validate its account promptly and / or due to

incorrect KYC documents / information.

THIRD-PARTY PRODUCTS

PLEASE NOTE: Along with the other terms and conditions these additional terms are

applicable in case you have bought any products not manufactured by HOABL. In

other words these additional terms and conditions are applicable in case you buy

products sold on the Platform by third party vendors. You understand and agree that

there may be certain products, which will be sold on the Platform by third party

vendors (“Vendors”). HOABL may not be able to control the transactions or the acts

and omissions of the Vendors in such transactions. When you buy such products from

Vendors on the Platform the following additional terms and conditions will become

applicable: HOABL is not responsible for any non-performance or breach of any

contract entered into between you and the Vendor. HOABL cannot and does not

guarantee that the Vendors will perform any transaction concluded on the Platform.

HOABL does not make any representation or warranty as to the attributes (such as

quality, worth, marketability etc.) of the items or services proposed to be sold on the

Platform by the Vendor. In particular, HOABL does not implicitly or explicitly support

or endorse the sale of any items or services on the Platform. HOABL accepts no liability

for any errors or omissions, whether on behalf of itself or third parties.

You release and indemnify HOABL and/or any of its officers and representatives from

any cost, damage, liability or other consequence of any of the actions of the Vendors

on the Platform and specifically waive any claims that you may have in this behalf

under any applicable law. Notwithstanding its reasonable efforts in that behalf,

HOABL cannot control the information provided by other Vendors, which is made

available on the Platform. You may find other Vendor’s information to be offensive,

harmful, inaccurate, or deceptive. Please use caution, common sense, and practice

safe trading when using the Platform. Please note that there are also risks of dealing

with foreign nationals, underage persons or people acting under false pretense.

All other terms and conditions of this User Agreement are applicable to such

transactions.

INTELLECTUAL PROPERTY

1. HOABL is the sole owner or lawful licensee of all the rights and interests in the

Platform and the Data therein. The Platform embodies HOABL’s Intellectual Property

Rights protected under worldwide copyright, trademark and other laws. All title,

ownership and Intellectual Property Rights in the Platform and Data shall remain with

HOABL and its affiliates, as the case may be. All rights not otherwise claimed under

this T&C and Privacy Policy or by US are hereby reserved.

2. The Portal, and related icons and logos are registered trademarks or trademarks or

service marks of HOABL and related icons and logos are registered trademarks or

trademarks or service marks of HOABL, in various jurisdictions and are protected

under applicable copyright, trademark and other proprietary rights laws. The

unauthorized copying, modification, use or publication of these marks is strictly

prohibited.

3. Investment Projects, designs, specifications and other documents (“Designs”),

prepared by HOABL are instruments of service for use solely with respect to this

project. This includes documents in electronic form. HOABL shall be deemed the

author and owner of the Investment Projects and shall retain all common law,

statutory and other reserved rights, including copyrights. Customer shall indemnify

and hold HOABL harmless for any loss or damage caused by any unauthorized use of

the Investment Project by the Customer and the Customer shall be liable for the same.

LIMITATION OF LIABILITY

HOABL’s lability in connection with or arising out of the contractual relationship with

the User, regardless of the ground (contract or tort or otherwise) shall be limited to the

total fees received by HOABL in respect of the Investment Project. Any additional claim

for damages based on default shall be excluded. In no event shall HOABL be liable for

(i) any form of negligence (including gross negligence to the extent permitted by law)

by HOABL or by any of HOABL’s employees, executives or affiliates; (ii) indirect

damage, consequential damage and/or loss of profits or unrealised savings; and (iii)

any acts and omissions on the part of auxiliary persons of HOABL or the

suppliers/vendors, be this contractual or non-contractual.

Any provisions specified or implied by herein or elsewhere notwithstanding, any

advice, recommendation, information, assistance or service provided by HOABL in

relation to the Investment Project or in respect of their use or application is given in

good faith, shall be deemed accepted by the User without imputation of any liability to

HOABL, and it shall be the responsibility of User to confirm the accuracy and reliability

of the same in light of the use of which User makes or intends to make of the products

and services.

YOU AGREE AND CONFIRM

1. That in the event that a non-delivery occurs on account of a mistake by you (i.e. wrong

name or address or any other wrong information) any extra cost incurred by HOABL

for redelivery shall be claimed from you.

2. You will provide authentic and true information in all instances where such

information is requested of you. HOABL reserves the right to confirm and validate the

information and other details provided by you at any point of time. If upon

confirmation your details are found not to be true (wholly or partly), HOABL has the

right in its sole discretion to reject the registration and debar you from using the

Services of HOABL without prior intimation whatsoever.

3. That you are accessing the services available on this Platform at your sole risk and

are using your best and prudent judgment before entering into any transaction

through this Platform.

DISCLAIMERS

1. If You choose to use the Portal, Platform Services You do so at Your sole risk. You

acknowledge and agree that HOABL does not have an obligation to conduct

background or character checks on

2. any User but may conduct such background or character checks in its sole discretion.

If We choose to conduct such checks, to the extent permitted by Applicable Law, we

disclaim warranties of any kind, either express or implied, that such checks will

identify prior misconduct by a User or guarantee that a User will not engage in

misconduct in the future.

3. No advice or information, whether oral or written, obtained from HOABL or through

the Portal, will create any warranty not expressly made herein.

TERMINATION

1. You can stop using Our Platform and the Platform Services at any time. HOABL may

also restrict Platform access by You or add or create new limits to Platform Services

provided to You at any time.

2. HOABL reserves the right, in its sole discretion, to terminate the access to the Platform

and the related Services or any portion thereof at any time, by giving You 15 (fifteen)

days’ notice via email to Your registered email address provided to us.

3. Causes for termination may include, but shall not be limited to, breach by the User of

this T&C, General Terms, Privacy Policy or Applicable Laws, requests by enforcement

or government agencies, requests by the User, etc.

4. Should the User object to any terms and conditions of this T&C or become dissatisfied

with the Platform in any way, the User’s only recourse is to immediately: (a)

discontinue use of the Platform and Platform Services; and (b) notify HOABL of such

discontinuance. HOABL shall not be liable to the User or any Third Party for

termination of this T&C.

5. Upon termination, the User’s right to use the Platform and Platform Services shall

immediately cease. The User shall have no right and HOABL shall have no obligation

thereafter to execute any of the User’s uncompleted tasks. Once the User’s registration

is terminated, cancelled or suspended, any User Content that the User has stored on

the Platform may not be retrieved later.

6. If You or we terminate this T&C, the clauses of these Terms that reasonably should

survive termination of the T&C will remain including indemnity, ownership of

Intellectual Property Rights etc.

APPLICABLE LAW AND DISPUTE RESOLUTIONYou agree that this T&C and any

contractual obligation between HOABL and User will be governed by the laws of India.

The courts at Mumbai shall have exclusive jurisdiction over any disputes arising out of

or in relation to this T&C, your use of the Platform.

CONTACT INFORMATION AND GRIEVANCE OFFICER

• If a User has any questions concerning the Platform and this T&C related to any of

the foregoing, a customer support can be reached at the following email address:

care@hoabl.in

MISCELLANEOUS

1. HOABL shall have no liability of any nature, whether in contract, or otherwise, for any

losses whatsoever and howsoever caused, from or in any manner connected with any

of the Services provided by Us.

2. HOABL reserves the right at any time and from time to time to modify or discontinue,

temporarily or permanently, the Platform Services (or any part thereof) provided by Us

with or without notice. You agree that HOABL shall not be liable to You or to any Third

Party for any modification, suspension or discontinuance of such Platform Services.

It is Your responsibility to review these T&C periodically for updates/changes.

3. You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial

purposes, any portion of the information, Data provided by Us, including any

Intellectual Property Rights of HOABL or any person firm or corporation having posted

information for availability through the Services provided by us.

4. You agree that in the event Your post, User Content, registration data or Your

information violates any provision of this T&C, We shall have the right to refuse to

provide You or any person acting on Your behalf, access to the Platform and Platform

Services, terminate and/ or suspend Your access if applicable in the future.

5. If any provision of this T&C is held by a court of competent jurisdiction to be

unenforceable under applicable law, then such provision shall be excluded from this

T&C and the remainder of the T&C shall be interpreted as if such provision were so

excluded and shall be enforceable in accordance with its terms; provided however

that, in such event, this T&C shall be interpreted so as to give effect, to the greatest

extent consistent with and permitted by Applicable Law, to the meaning and intention

of the excluded provision as determined by such court of competent jurisdiction or

arbitral tribunal.

6. Our failure, delay or omission to exercise or enforce any rights or provisions of these

T&C will not constitute a waiver of such rights or provisions. A waiver on any one

occasion will not be construed as a bar or waiver of any rights or remedies on future

occasions. Any claim in relation to this T&C should be filed within 3 (Three) months

from when the cause of action arose. Any claims filed beyond this time period shall be

barred.

7. Neither party hereto shall be responsible for delays or failures in performance

resulting from acts beyond its reasonable control and without its fault or negligence.

Such excusable delays or failures may be caused by, among other things, strikes,

lock-out, riots, rebellions, accidental explosions, floods, storms, acts of God and

similar occurrences.

YOU HAVE READ THESE TERMS OF USE AND AGREE TO ALL OF THE

PROVISIONS CONTAINED ABOVE

This Privacy Policy describes how M/s Sharpskill Infra Developers Private Limited

with the brandname of HOABL (“House of Abhinandan Lodha”) along with all its affiliate

companies consisting of its related subdomains and websites (the “Site” or “we” or “Us”)

collects, uses, and discloses the Customer’s (“your” or “you”) Personal Information when

you visit our website, web application or any other platform (“Site” or “Platform”)

Collecting Personal Information

When you visit the Site, we collect certain information about your device, your

interaction with the Site, and information necessary to process your enquiries. We

may also collect additional information if you contact us for customer support. In this

(including the information below) as “Personal Information”. See the list below for more

information about what Personal Information we collect and why.

Device information

● Examples of Personal Information collected: version of web browser, IP

address, time zone, cookie information, what sites or products you view, search

terms, and how you interact with the Site.

● Purpose of collection: to load the Site accurately for you, and to perform

analytics on Site usage to optimize our Site.

● Source of collection: Collected automatically when you access our Site using

cookies, log files, web beacons, tags, or pixels

● Examples of Personal Information collected: name, address, phone number,

media, files, photographs, password for login to our Platform, contacts, SMS,

location, phone pattern, etc.

● Purpose of collection: to provide services to you, communicate with you, screen

our platform for potential risk or fraud, and when in line with the preferences

you have shared with us, provide you with information or advertising relating to

our products or services.

● Source of collection: collected from you through your usage of Site and other

platform.

Minors

We do not intentionally collect Personal Information from children below 18 years

directly. All the information about the Minor and Child is collected from either Parent/s

or Guardian. If you are the parent or guardian and believe your child has provided us

with Personal Information, please contact us at the address below to request deletion.

Sharing Personal Information

We share your Personal Information with our service providers to help us provide

services, as described above. We may also share your Personal Information with any

regulatory authority such as:

● We may share your Personal Information to comply with applicable laws and

regulations, to respond to a subpoena, search warrant or other lawful request for

information we receive, or to otherwise protect our rights.

How we secure your Personal Information

We understand that the confidentiality, integrity, and availability of your information

are vital to our business operations and our own success. We employ appropriate

technical and organizational security measures at all times to protect the information

we collect from you. We use multiple electronic, procedural, and physical security

measures to protect against unauthorized or unlawful use or alteration of information,

and against any accidental loss, destruction, or damage to information. However, no

method of transmission over the Internet, or method of electronic storage, is 100%

secure. Therefore, we cannot guarantee its absolute security. Further, you are

responsible for maintaining the confidentiality and security of your login id and

password, and may not provide these credentials to any third party.

Behavioural Advertising

As described above, we use your Personal Information to provide you with targeted

advertisements or marketing communications we believe may be of interest to you. For

example:

● We use Google Analytics to help us understand how our customers use the Site.

You can read more about how Google uses your Personal Information here:

https://policies.google.com/privacy?hl=en.You can also opt-out of Google

Analytics here: https://tools.google.com/dlpage/gaoptout.

● We share information about your use of the Site, and your interaction with our

Services provided on the Site and platform.

Lawful basis

Pursuant to the General Data Protection Regulation (“GDPR”), if you are a resident of

the European Economic Area (“EEA”), we process your personal information under the

following lawful bases:

● Your consent;

● The performance of the contract between you and the Site;

● Compliance with our legal obligations;

● To protect your vital interests;

● To perform a task carried out in the public interest;

● For our legitimate interests, which do not override your fundamental rights and

freedoms.

Retention

When you place an order for our services through the Site, we will retain your Personal

Information for our records unless and until you ask us to erase this information.

A cookie is a small amount of information that’s downloaded to your computer or device

when you visit our Site. We use a number of different cookies, including functional,

performance, advertising, and social media or content cookies. Cookies make your

browsing experience better by allowing the website to remember your actions and

preferences (such as login and region selection). This means you don’t have to re-enter

this information each time you return to the site or browse from one page to another.

Cookies also provide information on how people use the website, for instance whether

it’s their first time visiting or if they are a frequent visitor.

We use the following cookies to optimize your experience on our Site and to provide our

services.

The length of time that a cookie remains on your computer or mobile device depends on

whether it is a “persistent” or “session” cookie. Session cookies last until you stop

browsing and persistent cookies last until they expire or are deleted. Most of the cookies

we use are persistent and will expire between 30 minutes and two years from the date

they are downloaded to your device.

You can control and manage cookies in various ways. Please keep in mind that removing

or blocking cookies can negatively impact your user experience and parts of our website

may no longer be fully accessible.

Most browsers automatically accept cookies, but you can choose whether or not to

accept cookies through your browser controls, often found in your browser’s “Tools” or

“Preferences” menu. For more information on how to modify your browser settings or

how to block, manage or filter cookies can be found in your browser’s help file or through

such sites as www.allaboutcookies.org.

Additionally, please note that blocking cookies may not completely prevent how we share

information with third parties such as our advertising partners. To exercise your rights

or opt-out of certain uses of your information by these parties, please follow the

instructions in the “Behavioural Advertising” section above.

Do Not Track

Please note that because there is no consistent industry understanding of how to

respond to “Do Not Track” signals, we do not alter our data collection and usage

practices when we detect such a signal from your browser.

Changes

We may update this Privacy Policy from time to time in order to reflect, for example,

changes to our practices or for other operational, legal, or regulatory reasons.

Contact

For more information about our privacy practices, if you have questions, or if you would

like to make a complaint, please contact by mail using the details provided below:

M/s Sharpskill Infra Developers Private Limited

Floor, Lodha Excelus, N.M. Joshi Marg,

Mahalaxmi, Mumbai, Maharashtra - 400011