Terms and Policies for Kredify Fintech Solutions (wholly-owned subsidiary of Kredify, Inc.)

These terms and conditions of use (“Terms”) along with privacy policy (“Privacy Policy”) forms a legally binding agreement (“Agreement”) between You and Us (“Kredify Fintech Solutions Pvt. Ltd.”, “Koppr”, “Our”, “We”).

Hence, We insist that You spend time reading these Terms and Privacy Policy and let Us know at [email protected] if You have any questions regarding the same. We will try our best to answer Your queries.


  1. Capitalized terms, not defined elsewhere in this Agreement, shall mean as follows:

(a) “App” Koppr means the mobile platform downloadable from Google Play/App Store and owned by Us, including any updates thereof.

(b) “AppStore” means the service provided by Apple Inc. and/or its affiliates, a third party, through which You may use in order to download the App.

(c) “AppStore Terms and Conditions” means terms and conditions that apply to the use of AppStore platform and as available at https://www.apple.com/legal/internet-services/itunes/us/terms.html.

(d)” Google Play” means the service provided by Google Ireland Limited, a third party, and/or its affiliates, through which You may use in order to download the App.

(e) “Google Play Terms of Service” means terms of service that apply to the use of Google Play and available at https://play.google.com/about/play-terms.html.

(f) “User” or “You” or “Your” refers to a natural person who has accepted this Agreement in order to download and use the App.

  1. Any reference to the singular includes a reference to the plural and vice versa, and any reference to one gender includes a reference to other gender(s), unless explicitly provided for.
  2. Headings and captions are used for convenience only and not for interpretation of the Agreement.
  3. Any reference to a natural person shall, include his/her heirs, executors and permitted assignees and any reference to a juristic person shall, include its affiliates, successors and permitted assignees, unless repugnant to the context.



1. You approve of and accept this Agreement by:

(a) downloading and/or installing the App on Your device; or

(b) accessing or using the App or any of the content available within the App from any



  1. You can accept this Agreement only if:

(a) You are a natural person of the legal age, eligibility and mental capacity to form a

binding contract with Koppr pursuant to Your use of the App; or

(b) You are a juristic Person, lawfully existing that has all the authorizations, permits and

allowances to enter into this Agreement and form a binding contract; and

(c) You are not legally barred from using the App.


  1. You understand that We want You to not use the App if You do not understand,

approve of or accept all the terms specified in this Agreement. Hence, You are

requested to read these Terms and Privacy Policy carefully and understand the

Agreement before You accept it and agree to be bound by it.






  1. The App is designed to provide You an in-app browsing experience through an embedded browser. The App does not per se provide any news or content or information; but provides a brief summary of the content available in public domain by aggregating such content within one platform for easy access by You and for assisting You to find corresponding content of Your interest.The App does not host, display or transmit any content owned by third parties on its servers, unless We either have a license to host, display or transmit over such content or are otherwise permitted under the applicable law, to do the same. When You read a summary, You may be linked to one of the online sources of such duly aggregated summary.

    Upon accessing such link, You acknowledge and accept that you are leaving Koppr and We shall have no liability, obligation or responsibility for any data breaches or damages arising herewith from Your use of such online sources on third party sites.

    You agree and acknowledge that the App does not report and/or broadcast any content (including news) of its own accord and Koppr is not responsible or liable for the content or accuracy of the summary of content that may be accessed by You through the App.

  2. The App may include links to other mobile applications and/or websites (some of which may be automated  search results) which  may contain  materials  that are objectionable, unlawful, or inaccurate. We do not endorse or support these links or the products and services they provide; these links are provided for Your convenience only. We are not responsible or liable for the content or accuracy of such links.


  1. In order to provide the App to You, We may request You to register and/or provide information about yourself. We trust that any information provided by You will always be true, accurate, complete and updated.
  1. The content displayed on the App is for Your non-commercial and personal use. You are not allowed to copy, reproduce, alter,  modify,  create derivative works of, or publicly display any content displayed on the App.
  2. All videos showcased in the Koppr App are owned by the individual creators on YouTube. Koppr is a news aggregator platform that brings together
    financial videos from various creators using the YouTube API Service.  We do not own copyright for these videos, nor do we monetize them in any form.
    Respecting and fostering the growth of the YouTube community of creators, viewers, content rights holders and advertisers is important to us and we make
    every attempt to adhere to the YouTube API Services Policy
  3. We may stop provision of the App (or any part of the App), permanently or temporarily, to You or to Users generally or may modify or change the nature of the App and/or these Terms at Our sole discretion, without any prior notice to You. Your use of the App following any such modification constitutes Your deemed acceptance to be bound by the Agreement (or as it may be modified).




  1. A violation of this Agreement may result in a legal liability upon You and that nothing in  this  Agreement  should be construed  to confer any rights to any third party. You are responsible  for  Your  conduct  and  activities  while  using  the  App,  and  for  any consequences thereof.


  1. If any provision of the Agreement is found to be unenforceable under the applicable law,it will not  affect  the  enforceability  of  the  other  provisions  of  this  Agreement.  if any provision of this Agreement is held to be invalid or unenforceable, such provision shall be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision and the remaining provisions shall be enforced.


  1. We may choose to not act with respect to a breach of this Agreement by You or others but this does not mean that We cannot act with respect to subsequent or similar breaches. Our intended or intended failure to exercise or enforce any provision of this Agreement shall not constitute a waiver of such right or provision.




  1. You will download and install the App from Google Play/App Store for using it. You will also download and update the relevant latest versions of the App and any relevant updates provided by Us to avail continued access to the App.


  1. While the App is available to You free of cost, We may amend these Terms and impose a cost on the App in future. We will make all efforts to give you prior notice in case We do charge for availability or use of the App by You.


  1. You will use the App only for such purposes as is permitted by

(a) this Agreement; and

(b)  any  law,  regulation  or  generally  accepted  practices  or  guidelines  applicable  in  the country of which You are a citizen, in which You are a resident or from where You use the App.

  1. For any content  you  create  using  the  App,  You  grant  Us  a  limited,  non-exclusive, transferable, assignable license to use the same in accordance with the terms and conditions, privacy policy, content regulation policy, any other policy of Us and any agreement executed by You and Us, and such a license will include a right to sub-license.


  1. For Your use of the App, Koppr grants You a limited, non-exclusive, non-transferable right to install and use the App on Your device. However, You shall not copy the App or any of its components, except for the purpose of making a single archival backup copy.


  1. Koppr also grants You a non-exclusive, non-transferable license to access such content on the App which is owned by Koppr. For using any content owned by a third party, You still require a license from such third party, We don’t license such content to You and Your use of content  owned  by  a  third  party  is  governed  by  applicable  terms  and  conditions prescribed by such third  party.





  1. You will not use the App or any content provided thereof for any purpose that is illegal, unlawful or prohibited by this Agreement.


  1. You will not access (or attempt to access) the content provided through the App by any means other than through the App, unless You have been  pecifically allowed to do so in a separate written agreement with Koppr.
  1. You will not redistribute, sublicense, rent, publish, sell, assign, lease, market, transfer, or otherwise make the App or any component or content thereof, available to third parties.


  1. You will not circumvent or disable any digital rights management, usage rules, or other security features of  App;  remove,  alter,  or obscure  any  proprietary  notices  (including copyright  notices)  on  any  portion  of  the  App;  and  not  use  the  App  in  a  manner  that threatens the integrity, performance, or availability of the App.


  1. You will not attempt to or engage in any activity that may:


(a) reverse engineer, decompile or otherwise extract the source code related to the App or any part thereof, unless it is expressly permitted by Koppr to You in writing or is required by the applicable law;

(b) use any robot, spider, retrieval application, or other device to retrieve or index any portion of the App or content thereof;

(c) collect information about users of the App for any illegal or unlawful purpose;

(d) create any user accounts  by automated  means or under false or fraudulent pretenses for using the App;

(e) transmit  any viruses, worms,  defects, trojan horses, or any items of a destructive  nature through the App;

(f) use  the  App  in  any  manner  that  could  damage,  disable,  overburden,  or  impair,  or undertake  any  action  which  is  harmful  or  potentially  harmful  to,  any  of  the  servers, networks,  computer  systems  or  resources  connected  to  any  of  the  servers  connected, directly or indirectly to the App, or interfere with any other Users’  use and enjoyment of the App;

(g) carry out any denial of service (DoS, DDoS) or any other harmful attacks on the App or;  disrupt  or  place  unreasonable  burdens  or excessive  loads  on,  or interfere  with  or attempt to make, or attempt any unauthorized access to the App or any part of the App or any user of the App;

(h) forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the App; or obtain any materials or information through any means not intentionally made available, in the opinion of Koppr, through the App.


  1. You will not impersonate another person or impersonate, guide or host on behalf of, or  falsely  state  or  otherwise misrepresent  Your affiliation  with any person or entity, including,  but  not  limited  to  Our  officials,  employees,  agents,  partners,  affiliates, dealers and franchisees.





  1. If You find any content on the App which falls under any of the prohibited categories of content listed in section F (5), (6) above, You can inform us of such a violation of these Terms by writing to Us with


(a) a screenshot or sharing the link of the infringing post; and

(b) Your reasons for objecting to such content.


  1. Your reports of violation of these Terms will be received and processed within reasonable time by Our Team.


  1. In case if it is found to be violative of our policies, then we will as soon as possible be

(a) Taking down such violating content; or

(b) Suspension/blocking of the violating user’s account; or

(c) Termination of the violating users’ access to the App.

Our Team’s assessment of any complaints relating to content shared  on the App will be limited to whether such content violates these Terms or Our own internal policies and guidelines. Such a decision will be final and binding as regards content on the App. We do not undertake any legal analysis or judgement on the nature of reported content.

  1. If You have any objections against any action taken by Us pursuant to clause G(3) above, You can inform  us  of  Your  reasons  for  such  objections  by  writing  to  Us [email protected]


  1. We will review Your objections, and reserve the right to modify/retain our decision on any complaint against content shared on the App.




  1. Your access to the App may be terminated if:

(a) You voluntarily uninstall the App from Your device;

(b) You  knowingly  or  unknowingly  cause  direct  or  indirect  breach,  as  ascertained  by Koppr, of these Terms or Privacy Policy as a whole or in part; or

(c) You do not pay the requisite fee, if any, should Koppr charge for use of the App.

(d) We  are  required  to  do  so  by  law  (for  example,  where  the  access  to  and/or

provision of the App to You becomes, unlawful);

(e) The third party, if any, with whom We offered the App to You has terminated its

relationship with Us or ceased to offer the related services to Us or to You;

(f) The provision of App to You, is no longer commercially viable or feasible for Us; or

(g) You violate this Agreement.


  1. We may terminate this Agreement at any time, with or without notice and may procure disabling Your access to the App and/or barring You from any future use of the App.


  1. You may terminate this Agreement at any time by terminating Your access to the App. However, Your certain obligations under this Agreement shall continue to prevail even on such termination.


  1. When this Agreement comes to an end, all of the legal rights, obligations and liabilities that You and Koppr have benefited from, been subject to (or which have accrued over time whilst the  Agreement  has  been  in  force)  or  which  are  expressed  to  continue indefinitely, shall be unaffected by this cessation, and shall continue to apply to such rights, obligations and liabilities indefinitely.




  1. Your use of the  App  is,  and at  all  times  shall  be,  governed by and  subject to the laws regarding copyright, trademark, patent and all other forms of Intellectual property in India and use of intellectual property. You agree to abide by laws regarding copyright, trademark, patent and all other forms of Intellectual property in India and  use of intellectual  property,  and  You shall  be  solely  responsible  for  any violations of any laws and for any infringements of any intellectual property rights caused by Your use of the App through Your device.
  1. Koppr owns and retains all the intellectual property rights to the summarized content made available to You through the App by Koppr but does not claim ownership rights to the original sources of information, which are instead held by the sites to which the App may link You.


  1. All trademarks, brands and service marks of the App are the property of Koppr only. Koppr owns all of the copyrights and database in relation to the App.
  1. The App and any underlying technology or software used in connection with the App may contain rights of Koppr or its affiliates or any third party. For use of any third party’s intellectual  property,  You  may  need  to  get  permission  directly  from  the  owner  of  the intellectual property.
  1. Any intellectual property  which  is  not  specifically  mentioned  to  be  owned  by Koppr  is owned  by their  respective  owners  and  the  owners  have  a  right  to  take appropriate actions against You for any violation, infringement or passing off.
  1. Koppr respects the intellectual property rights of others and does not hold any responsibility for any violations of any intellectual property rights by You.



  1. Our Privacy Policy explains how We treat Your personal data and protect Your privacy when You use the App. By using the App, You agree that We can use such data according to Privacy Policy.
  1. You are responsible for maintaining the confidentiality of passwords associated with any device You use to  access the App. Accordingly,  You are solely responsible for all activities that occur with Your device. If You become aware of any unauthorized use of Your device, You will notify the relevant authorities as soon as possible.




  1. Your use of the App or any content available thereof is entirely at Your own risk and We shall not be  liable  for  any  direct,  indirect,  incidental,  consequential, special,  exemplary, punitive,  monetary  or any other damages,  fees,  fines,  penalties  or  liabilities  whatsoever arising out of or relating to Your use of the App.


  1. You may terminate Your access to the App if You are not satisfied with the App.


  1. You shall defend, indemnify and  hold  Koppr,  and  its officers,  directors, employees, representatives  and  agents  harmless  from  and  against  any  claims,  actions,  demands, liabilities, judgments, and settlements, including without limitation, reasonable legal fee that may result from or alleged to result from

(a) Your use of the App; or

(b) Your breach of any rules, regulations and/or orders under any applicable law.


  1. You are also responsible for any breach of Your obligations under the Agreement and/or for the consequences of any such breach.




  1. We shall make our best efforts to make the App available to You in the best possible manner. However, We disclaim all warranties in relation to the App, whether express or implied, including but not limited to:


(a) the App being constantly available or available at all;

(b) installation or uninstallation choices in relation to the App being successfully executed in all cases;

(c) that App will always function without disruptions, delay or errors;

(d) Your personal ability to use the App;

(e) Your satisfaction with the use of the App;

(f) the accuracy of the data provided by the App;

(g) the security and privacy of Your data;

(h) that all bugs or errors in relation to the App will be corrected;

(i) that the App will be compatible with all devices and all networks;

(j) that the App is fit for a particular purpose or use; or

(k) that the App and the contents thereof are accessible in every location.


  1. Koppr, its officers, directors,  employees,  affiliates  and  agents and  any  other service provider responsible  for  providing  access to  the  App  in  connection  with  this  Agreement will not be liable for any acts or omissions, including of a third party, and including those vendors  participating  in  Koppr’  offerings  made  to  You,  or  for  any  unauthorized interception  of  data  or  breaches  of  this  Agreement  attributable  in  part  to  the  acts  or omissions of third parties, or for damages associated with Koppr, or equipment that it does not furnish, or for damages that result from the operation systems, equipment, facilities or services provided by third parties that are interconnected with Koppr.




  1. The App may be controlled and operated through any country and may be subject to the laws of that country in which they are controlled and operated. If You use the App from any location, then, You are responsible for compliance with the local laws applicable to You.


  1. This Agreement shall be governed by and shall be construed in accordance with the laws of India.


  1. In the event of any dispute or difference between You and Us (“Dispute”), then such Dispute shall first be resolved amicably through good faith negotiations by You and Us. In the event that a resolution of the Dispute is not achieved within 30 (thirty) days from the date such Dispute arises, as notified in writing by any party to the other party, then any of the parties to the Dispute, shall have the right to refer such Dispute to arbitration by issuing a written notice (“Arbitration Notice”) for final resolution in accordance with the provisions of this clause I(3).




4.1 Except as otherwise specifically provided in this Agreement, the following provisions apply if any dispute or difference arises between the Parties arising out of or relating to this Agreement (the ‘Dispute’).

4.2 A Dispute will be deemed to arise when one party serves on the other party a notice stating the nature of the Dispute (a ‘Notice of Dispute’).

4.3 The Parties hereto agree that they will use all reasonable efforts to resolve between themselves, any Disputes through negotiations.

Any Disputes and differences whatsoever arising under or in connection with this Agreement which could not be settled by parties through negotiations, after a period of thirty (30) days from the service of the Notice of Dispute, shall be finally settled by arbitration in accordance with the Arbitration and Conciliation Act, 1996; all proceedings shall be conducted in English and a daily transcript in English shall be prepared; the arbitral panel shall comprise of a sole arbitrator to be appointed by Koppr; the venue of arbitration shall be in Mumbai.


  1. The award of arbitral tribunal in respect of a Dispute shall be final and binding on the parties and shall be enforceable in  accordance  with  its terms  and shall  be  substantiated in writing.  You  and Koppr shall submit to the award of the arbitral tribunal and such award shall be enforceable in any competent  court  of  law.  The  arbitral  tribunal  shall  also  decide  on  the  costs  of  the  arbitration proceedings. Prior to or pending arbitration, nothing in this Agreement shall preclude either You or Us from seeking an interim or injunctive relief from courts of competent jurisdiction.


  1. You and Koppr agree that any cause of action arising out of Your use of the App must be commenced within 3 (three) months after the cause of action accrues or You become aware of the facts giving rise to the cause of action, whichever is later. Otherwise, such cause of action shall be permanently barred.




  1. Koppr may post notices within the App or send you notices on the email address or the telephone number that You may have shared with Us. You will have received such notices within 3 (three) days of Us sending the notice. Your continued use of the App on expiry of such 3 (three) days shall constitute Your receipt and acceptance of the notices sent to You.





  1. The contents provided  through  the  App  may  include  technical  inaccuracies  or

typographical errors. Koppr may make changes or improvements to the App at any time. The contents or any information available on the App is provided “as is” and “as available” and  without  warranties  of  any  kind  either  expressed  or  implied,  to  the  fullest  extent permissible  pursuant  to  applicable  law.  Koppr  does  not  warrant  that  the  functions contained in the contents will be uninterrupted or error-free, that defects will be corrected, or the servers that make them available, are free of viruses or other harmful components. Koppr  makes  no  commitment  to  update  the  materials  on  the  interface.  The  above exclusion  may  not  apply  to  You,  to  the  extent  that  applicable  law  may  not  allow  the exclusion of implied warranties. Koppr shall not be liable for any misuse or data theft as a consequence of Your use of the App.






Last updated on 15th January 2021.