T&C Method Statement

SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm

Idlnly5 (

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BLQ[DAÎQBDL

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BLYQ[^HNLQOQBDL

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S[N@BHBLO[R S[DINA^[NY

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S[N(IDHHBYYBDLBLM & YNQQBLM QD ]D[J

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MNLN[O@ S[DINA^[NY FD[ IDHHBYYBDLBLM DF ]OQN[ & OB[ YRYQNHY

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ADI^HNLQOQBDL

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IDHHBYYBDLBLM M^BAN

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SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm BLQ[DAÎQBDL Qgby adi~hnl goy knnl s{nso{na oy o m~ban d gn oss{doig }n }b`` kn ojblm }gnl io{{rblm d~ gn Idhhbyybdlblm ola Qnyblm df gn Ob{ ola ] on{ yrynhy blyo``na o @diobdl d kn hnlbdl Fd{ noyn df {noablm }n govn k{djnl b ad}l bld ynibdly oy fd``d}y5 (

Blyq{~hnlqy

( O `by df s{dsdyna bly{~hnly d kn ~yna ola o k{bnf d~`bln df gnb{ f~libdl

S{n`bhblo{r S{n`bhbl o{r S{dina~{ny

( D~`blny gn oibvbbny d kn io{{bna d~ s{bd{ d idhhnliblm S{n(Idhhbyybdlblm oibvbbny

S{n(idhhbyybdlblm$Ynqqblm S{n(idhhbyybdlblm$Ynqqblm qd ]d{j

( Anob`y lninyyo{r oibvbbny d kn io{{bna d~ d hblbhbun {byj df aohomn d{ ble~{r a~{blm blbbo` yo{ df sòl

Mnln{o` S{dina~{ny fd{ Koòliblm

( Anob`y gn hngday }n o{n s{dsdyblm d oads d io{{r d~ gn koòliblm df gn Ob{ ola ]on{ yrynhy

Adi~hnlqoqbdl

( Abysòry yohs`n ny ygnny }n o{n s{dsdyblm d ~yn

B ygd~à kn ldna go gby adi~hnl by blnlana d kn ~yna oy o m~ban dl`r, ola go }gn{n lninyyo{r o hd{n anob`na oiid~l df gn idhh byybdlblm oyjy ygd~à kn yd~mg f{dh LNKK(Qgn S{dina~{o` Yolao{ay Yolao{ay Fd{ Qnyblm, Oae~yblm ola Koòliblm df GVOI Yrynhy ’ ?22?







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm BLYQ[^HNLQOQBDL Ol oanq~on y~ss`r df gn lninyyo{r bly{~hnlobdl }b`` kn y~ss`bna d ybn s{bd{ d idhhnliblm Idhhbyybdlblm oibvbbny ]gn{n oss`biok`n gnyn gnyn }b`` kn s{dvbana s{dvbana }bg ~s d aon io`bk{obdl io`bk{obdl in{bfbiony Qgn bly{~hnly }n o{n o{n s{dsdyblm s{dsdyblm d ~yn o{n oy fd``d}y5 fd``d}y5 (

Ob{ Yryqnhy5 ( N`ni{dlbi Hbi{dholdhnn{

(

Ob{ Lnd{dlbiy $ Ob{f`d}

Bli`bln Holdhnn{

(

Ob{f`d}

Sbd Q~kny

(

Ob{f`d}

Ab{ni [noablm F`d}gdda$Ko`dhnn{ F`d}gdda$Ko`dhnn{

(

Ob{f`d} $ O`ld{

N`ni{dlbi [doblm Voln Olnhdhnn{

(

Ob{f`d}

Hn{i~{r Holdhnn{

(

Sn{f`d} $ Sdaar

F`~d{d(io{kdl F`~d{d(io{k dl Holdhnn{

(

Sn{f`d} $ Sdaar

Idhs~n{buna Koòliblm Bly{~hnl

(

I{oln

Kd~{adl Mo~mn

(

Koadgn{h $ ]bjo

Idloi Qoigdhnn{

(

Yhbgy Bla~y{bny

Dsbio` Qoigdhnn{

(

[Y Idhsdlnly

Iòhs Bla~ibdl Ohhnn{

(

[Y Idhsdlnly $ OSSO

H~`bhnn{

(

[Y Idhsdlnly $ OSSO

N`ni{dlbi Qgn{hdhnn{

(

[Y Idhsdlnly

Y`blm Syrig{dhnn{

(

Ioyn``

]oqn{ Yryqnhy5 (

A{bvn Ysnnay5 (

N`niq{bio` Hnoy~{nhnlq5 (

Qnhsn{oq~{n Hnoy~{nhnlq5 (







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm O {nid{a df o`` bly{~hnly bly{~hnly dl ybn }b`` kn jns blabioblm io`bk{obdl io`bk{obdl aony aony ola }gnl {nio`bk{obdl {nio`bk{obdl by a~n, g~y nly~{blm oanq~on {nsòinhnly iol kn s{dvbana bl bhn }gnl {nio`bk{obdl by ojblm sòin Olr bly{~hnl bly{~hnl aohomna a~{blm a~{blm gn id~{yn df }d{jy }b`` kn {nignijna fd{ io`bk{obdl io`bk{obdl ofn{ {nsob{ nvnl bf {n(io`bk{obdl by ld a~n ola oae~yna oy lninyyo{r O`` hnhkn{y df gn idhhbyy bdlblm noh }b`` kn {oblna {oblna d kn o}o{n df }go bly{~hnl by ~yna fd{ noig oibvbr Qgnr }b`` o`yd kn ok`n d oanq~on`r dsn{on gn bly{~hnl bly{~h nl ola {nid{a gn aoo, oy }n`` oy hobloblblm gn bly{~hnl bl mdda }d{jblm d{an{ @byna kn`d} o{n gn anob`y df gn hdy idhhdl`r ~yna idhhbyybdlblm bly{~hnly5 (

OB[ YRYQNH5 ( S{nyy~{n Hnoy~{nhnl S{nyy~{n {noablm bly{~hnly o{n ~yna fd{ hnoy~{blm5 ( o Qdo`, yobi ola vn`dibr s{nyy~{ny s{nyy~{ny bl o a~i}d{j yrynh }gnl ~yna }bg o Sbd Sbd ~kn k Yobi s{nyy~{ny bl a~i}d{j a~i}d{j kr gn ~yn ~yn df yban}o`` idllnibdly idllnibdly i Abffn{nlbo` s{nyy~{ny s{nyy~{ny kn}nnl kn}nnl dln ysoin ysoin ola oldgn{ oldgn{

Holdhnn{y Qgn bly{~hnly hdy idhhdl`r ~yna fd{ s{nyy~{n hnoy~{nhnl o{n gn N`ni{dlbi Hbi{d Holdhnn{ ola gn Bli`blna Holdhnn{ Qgn n`ni{dlbi hbi{dholdhnn{ iol idhhdl`r hnoy~{n s{nyy~{ny dl }d {olmny5 ( 3 ( ?222 So 3 ( ?2222 So B o`yd blid{sd{ony o {olya~in{ y~ig go }gnl ~yna bl idle~libdl }bg o Sbd ~kn iol idlvn{ vn`dibr s{nyy~{n ab{ni`r bld o vn`dibr {noablm bl hn{ny$yni Qgn Bli`blna Holdhnqn{ by fb``na }bg ol db`(koyna db`(koyna f`~ba Qgby bly{~hnl goy fd~{ s{nyy~{n {olmny5 {olmny5 ( 3( 3( 3( 3(

?;> So ;>3 So >33 So ;,>33 So

B o`yd ~yny o yi o`n d idlvn{ vn`dibr s{nyy~{n d o vn`dibr {noablm {noablm gby dsn{ony dl }d {olmny5 ( 3 ( ?13 h$y 3 ;73 h$y







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm Sbd Q~kn Qgn yolao{a Sbd ~kn, }gbig by ~yna bl idle~libdl }bg o y ~bok`n holdhnn{, s{dvbany s{dvbany o ybhs`n hngda df ann{hblblm ob{ vn`dibr vn`dibr bl o a~i Qgn Sbd ~kn by df ad~k`n idlinl{bi idlinl{bi ~kn idly{~ibdl, idlybyblm df 9;hh blln{ ~kn, }gbig by idlinl{bio``r `diona blyban df ol 73hh d~n{ ~kn Sbd ~kny o{n ~yna d hnoy~{n do`, yobi ola vn`dibr vn`dibr s{nyy~{ny s{nyy~{ny bl a~i}d{j a~i}d{j ]gnl ~yna }bg o io`bk{ona Holdhnn{ by ~yn by gn s{nfn{{na hngda df hnoy~{blm df ob{ vn`dibr ola s{nyy~{n

Ab{ni [noablm F`d}gdda $ Ko`dhnn{ Qgn f`d}(hnoy~{blm gdda by o anvbin go idvn{y gn n{hblo` ob{ d~`n anvbin d foib`bon ojblm ob{ vn`dibr d{ ob{f`d} Qgn idlbio` d{ sr{ohba ygosna ygosna gdda iol kn ~yna d id``ni o`` df gn ob{ abyigo{mna f{dh ol ob{ n{hblo` ola m~ban b dvn{ f`d} hnoy~{blm bly{~hnlobdl Gdday mnln{o``r o{n idly{~ina yd go gn d~`n osn{y ad}l d ol nffnibvn o{no df dln yq~o{n fdd O vn`dibr hnoy~{blm m{ba ola io`bk{ona holdhnn{ holdh nn{ bl gn gdda }b`` {noa gn ob{f`d} bl ifh '`$y" Qd hnoy~{n ob{ d~`n anvbiny ab{nibdl bl ifh '`$y", ydhn abmbo` bly{~hnly govn hnhd{r, ovn{omblm ola s{blblm iosokb`bbny

[doblm Voln Olnhdhnn{ Fd{ gn s~{sdyn df ob{ koòliblm, b h or kn lninyyo{r d ~yn ol olnhdhnn{ bl idle~libdl }bg o s~{sdyn k~b` f`d} gdda gdda M~ban`blny M~ban`blny fd{ anybml ola idly{~ibdl df gnyn f`d} gdday ygo`` kn io{{bna d~ bl oiid{aolin }bg Qgn Qniglbio` Hnhd{ola~h Ld 1 ’Anybml df Id``nibdl Gdday fd{ Qnyblm & Koòliblm, s{da~ina kr gn Idhhbyybdlblm Ysnibo`byy Oyydibobdl '^J" [doblm voln olnhdhnn{y }b`` rsbio``r govn ~s d g{nn {olmny5 ( 3( 3( 3(

? h$y > h$y ;> h$y

Qgn koòliblm idln d{ gdda }b`` kn ob`d{na fd{ gn so{bi~ò{ edk Qgn ò{mn nla df gn idln }b`` kn ybuna d fb dvn{ gn idhs`nn abff~yn{ ola ygo`` govn o moyjn o{d~la gn sn{bhnn{ d s{nvnl `nojomn Io{n ygo`` kn ojnl }gnl idly{~iblm gdday d ovdba oaablm ol nwinyybvn o{bfbibo` {nybyolin d gn n{hblo` knblm hnoy~{na Gdda {noablmy }b`` kn idhso{na }bg o Sbd {ovn{yn {noablm ola id{{nina oy lninyyo{r Gd}nvn{, fd{ gn s~{sdyn df adi~hnlobdl ola {nsnookb`br, bl o`` ioyny o idhhdl







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm ]OQN[ YRYQNHY5 F`d} Hnoy~{nhnl H noy~{nhnl Qgn{n o{n holr sdyybk`n hngday df hnoy~{blm f`d} }bgbl sbsn yrynhy ola hdy {nq~b{n gn blyn{bdl df o f`d} hnoy~{nhnl anvbin bl gn sbsn`bln sbsn`bln Nwsn{bnlin goy blabiona blabiona go gdyn anvbiny koyna dl mnln{oblm o abffn{nlbo` s{nyy~{n }bgbl gn sbsn}d{j yrynh, nm d{bfbin sòny, vnl~{b(lduu`ny, s{nyy~{n ossna fbwna d{bfbin vo`vny, ni o{n gn hdy y~bok`n fd{ ~yn bl gn k~bàblm k~bàblm yn{vbiny bla~y{r bla~y{r Yblin gn f`d} hnoy~{nhnl hnoy~{nhnl anvbin by so{ df gn sbsn}d{j yrynh, gn dl`r bly{~hnl gn idhhbyybdlblm ysnibo`by {nq~b{ny by dln y~bok`n fd{ hnoy~{blm gn abffn{nlbo` abffn{nlbo` s{nyy~{n Qgby iol ojn gn fd{h df o }on{(dvn{(hn{i~{r d{ f`~d{dio{kdl holdhnn{, o s~{sdyn(hoan abosg{omh s{nyy~{n mo~mn, d{ o s{nyy~{n abffn{nlbo` holdhnn{$f`d} hnn{

Hn{i~{r Holdhnn{ Qgn hdy idhhdl`r ~yna bly{~hnl fd{ hnoy~{blm abffn{nlbo` s{nyy~{n oii~{on`r bl }on{ yrynhy by gn }on{(dvn{(hn{i~{r holdhnn{, }gbig blabiony s{nyy~{n kr gn gnbmg df o id`~hl df hn{i~{r Qgn bly{~hnl by ybhs`n, goy ld hdvblm so{y, ola ola {nm~ò{ io`bk{obdl io`bk{obdl by ld {nq~b{na S{dvbana in{obl in{obl koybi s{dina~{ny s{dina~{ny o{n fd``d}na, gn bly{~hnl bly{~hnl }b`` mbvn mbvn {n`bok`n ola {ns{da~ibk`n {noablmy Qgn hn{i~{r holdhnn{ blid{sd{ony blid{sd{ony gn fd``d}blm fno~{ny5 





O ò{mn hn{i~{r {nyn{vdb{ }bg hnoly df un{d oae~yhnl: O yofnr igohkn{ d {na~in gn {byj df k`d}blm gn hn{i~{r d~ df gn holdhnn{ bf gn blyo`òbdl s{nyy~{n by m{non{ gol gn {olmn df gn holdhnn{: Bln{igolmnok`n idllnibdly fd{ ~yn dl vo{bd~y sbsn ola f`d} hnoy~{nhnl anvbin ossblmy:



O vo`vn igohkn{ fd{ s~{mblm ob{ d~ df gn holdhnn{ ola oyydibona sbsn}d{j:



O hnoy~{blm {olmn df 3 ( 6> j So

F`~d{dio{kdl @bq~ba Holdhnn{ Qgby by o`hdy banlbio` bl anybml d gn h n{i~{r holdhnn{ anyi{bkna okdvn, okdvn, nwins go b goy o `d}n{ abffn{nlbo` s{nyy~{n s{nyy~{n {olmn df 3 ( 1> jSo Qgby {olmn by oigbnvna kr kr ~yblm o rn``d} f`~d{dio{kdl `bq~ba }bg o ysnibfbi m{ovbr df ?77, blynoa df hn{i~{r oy gn holdhnn{ f`~ba

Abffn{nlbo` Abmbo` Holdhnn{$F`d} Hnn{ O }on{ s{nyy~{n {olya~in{ {olya~in{ ny yn by ol n`ni{dlbi n`ni{dlbi abffn{nlbo` abffn{nlbo` s{nyy~{n(hnoy~{blm s{nyy~{n(hnoy~{blm anvbin, }gbig by s{n(s{dm{ohhna s{n(s{dm{ohhna d nlok`n gn ab{ni ab{ni {noablm df df abffn{nlbo` s{nyy~{n ola ola f`d} Bl









SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm oaabbdl, gn {nm~òblm vo`vn hol~foi~{n{-y Jv foid{ iol kn jnrna bld gn bly{~hnl dl ybn d mbvn ioì~òna vo`vn ynblmy O rsbio` bly{~hnl bly{~hnl }b`` blid{sd{on blid{sd{on gn fd``d}blm fd``d}blm fno~{ny5 fno~{ny5 

nhsn{o~{n ola abffn{nlbo` s{nyy~{n hnoy~{nhnly:



ab{ni f`d} hnoy~{nhnl {noablmy:



vo`vn gola }gnn` ynblmy:



o~dhobi io`bk{obdl ola an(on{obdl

Qd yn ola dsn{on gby bly{~hnl, gn hol~foi~{n{-y bly{~ibdly ygd~à kn io{nf~``r fd``d}na

S{nyy~{n Hnoy~{nhnl Qgn{n o{n vo{bd~y sdbly }bgbl o }on{ yrynh }gn{n s{nyy~{n hnoy~{nhnl hor kn lninyyo{r, lninyyo{r, bl oaabbdl d gdyn {nq~b{na {nq~b{na o f`d} anvbiny anvbiny Ydhn nwohs`ny o{n `byna kn`d}5 

Oi{dyy }on{ igb``bn{ nvosd{od{y nvosd{od{y ola idlanlyn{y:



Oi{dyy kdb`n{y:



Oi{dyy s~hs yny:



Oi{dyy io`d{bfbn{y:



Oi{dyy ybhbò{ n{hblo` ~lby idllnina d o yblm`n f`d} h noy~{nhnl anvbin

]gn{n gn s{nyy~{ny d kn hnoy~{na `bn }bgbl gn {olmn df gn hn{i~{r holdhnn{, gby ygo`` kn ~yna Fd{ yblm`n sdbl sdbl s{nyy~{n {noablmy, {noablmy, gn `d}(s{nyy~{n `d}(s{nyy~{n idllnibdl idllnibdl d gn holdhnn{ ygd~à kn `nf dsnl d gn ohdysgn{n F{nq~nl`r, gn s{nyy~{ny d kn hnoy~{na }b`` kn d~yban gn {olmn df o yolao{a holdhnn{ ola o idlvnlbdlo` idlvnlbdlo` s{nyy~{n mo~mn }b`` govn govn d kn ~yna Qgn s{nyy~{n mo~mny mo~mny fbna oy so{ df gn blyo`òbdl ygd~à ld kn ~yna fd{ ny hnoy~{nhnly k~ ygd~à kn







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm Hnigolbio` Idloi Qoigdhnn{ Q oigdhnn{ Qgnyn idhhdl`r govn g{nn hnoy~{blm {olmny ola o `dij d gdà howbh~h {noablm Mbvny o ab{ni {noablm df ysnna bl [nv$hbl

Dsbio` Qoigdhnn{ Qgby bly{~hnl s{deniy o lo{{d} knoh df `bmg d}o{a gn {doblm ygof d{ s~``nr dl }gbig o y{bs df {nf`niblm osn osn goy knnl knnl fbwna Qgn {nf`nina `bmg `bmg s~`yny f{dh gn osn o{n hnoy~{na oy f{nq~nlir f{nq~nlir '{nv$hbl" kr gn hnn{ Qd kn nffnibvn, gn hnn{ h~y kn gnà gnà }bgbl 3>h df gn ygof d{ s~``nr

Vd`omn ola I~{{nl Hnoy~{nhn H noy~{nhnl l Io{n ygd~à kn ojnl go dl`r idhsnnl sn{ydly io{{r d~ vd`omn ola i~{{nl hnoy~{nhnly

Iòhs Bla~ibdl Ohhnn{ B by bhsd{ol d ignij gn fol ola s~hs hdd{ i~{{nl d nly~{n go b by }bgbl gn anybml {olmn O iòhs(dl(rsn iòhs(dl(rsn bla~ibdl bla~ibdl ohhnn{ by {nidhhnlana fd{ i~{{nl hnoy~{nhnly hnoy~{nhnly Qgn bly{~hnly by noyr d ~yn, b adny ld govn d kn }b{na bld gn ib{i~b, ola b goy o fbnà hnoy~{nhnl oii~{oir df okd~ okd~ 9. df gn f~`` yio`n {olmn {olmn Qgn {bmmn{(dsn{ona {bmmn{(dsn{ona eo}y df gn ohhnn{ o{n sòina o{d~la gn idla~id{ o olr idlvnlbnl sdbl ola gn bla~ina i~{{nl bl gn ohhnn{ by blabiona oy gn oi~o` i~{{nl bl gn gn idla~id{ Bly~òbdl adny adny ld offni gn {noablm k~ b by bhsd{ol d {nhnhkn{ go gn bly{~hnl }b`` dl`r }d{j dl o yblm`n idla~id{, ld o }bl iok`n, ola fd{ OI dl`r Bl ~yblm gn bly{~hnl, gn fd``d}blm yofnr s{nio~bdly oss`r5 ? Ad ld d~ig ol ~lbly~òna ~lbly~òna n`ni{bio` n`ni{bio` ib{i~b ; Lnvn{ s~q rd~{ golay blqd o ‗`bvn‒ n`niq{bio` abyq{bk~qbdl kdw, 9 Ad ld onhs d fd{in gn bly{~hnl eo}y bld sdybbdl sdybbdl 1 Ad ld ooig gn gn bly{~hnl knfd{n knfd{n yo{blm gn hdd{ Qgn yo{(~s i~{{nl, }gbig }gbig iol kn f{dh g{nn d fbvn bhny gn hdd{ lohnsòn i~{{nl, id~à aohomn gn







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm Y`blm Syrig{dhnn{ Syrig{dhnn{ O y`blm syrig{dhnn{ idlybyy df }d hn{i~{r fb``na f b``na gn{hdhnn{y, dln df }gbig goy o i`dg }bij d{ ydij o{d~la by k~`k }gbig }gbig bl ~{l by fbwna bld bld o }on{ {nyn{vdb{ Qgn }d gn{hdhnn{y o{n hd~lna yban kr yban dl o f{ohn fbna }bg o gola`n kr }gbig gn anvbin iol kn }gb{`na }bg o ynoar hdbdl g{d~mg gn y~{{d~lablm ob{ Qgn }gb{`blm hdbdl by ydssna sn{bdabio``r sn{bdabio``r d ojn {noablmy df gn }n ola a{r k~`k gn{hdhnn{y 'bl go d{an{" d{an{" ~lb` y~ig bhn oy idlyni~bvn idlyni~bvn {noablmy {noablmy knidhn ynoar A~n d gn nvosd{obdl, gn }n k~`k gn{hdhnn{ }b`` blabion o `d}n{ nhsn{o~{n gol gn a{r k~`k gn{hdhnn{, ola gn abffn{nlin by jld}l oy gn }n k~`k ans{nyybdl Qgn }n k~`k ans{nyybdl iol gnl kn ~yna d ioì~òn gn {nòbvn g~hbabr df gn ob{

N`ni{dlbi Qgn{hdhnn{y ola Grm{dhnn{y Grm{dhnn{y N`ni{dlbi gn{hdhnn{y ola grm{dhnn{y hnoy~{n nhsn{o~{n ola {nòbvn g~hbabr Qgnr govn ol oaana oavolomn dvn{ gn mòyy ~kn gn{hdhnn{y bl go gnr govn o q~bijn{ {nysdlyn bhn ola ò{mn{ {olmny {olmny Gd}nvn{ gnr {nq~b{n {nq~b{n f{nq~nl {n(io`bk{obdl {n(io`bk{obdl







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm S[N(IDHHBYYBDLBLM & YNQQBLM QD ]D[J Qgn fblo` oibvbbny d kn sn{fd{hna s{bd{ d idhh nliblm gn nyblm, oae~yblm ola koòliblm }d{jy }b`` kn gn s{n(idhhbyybdlblm ola ynblm d }d{j df gn yrynh

S{n(Idhhbyybdlblm Qgn hobl dkenibvn df gn s{n(idhhbyybdlblm oibvbr by d hblbhbun gn {byj df ble~{r ola aohomn d sn{ydlln` ola nq~bshnl ]bg gn n`ni{bio` y~ss`r bydòna o s{n(idhhbyybdlblm s{n(idhhbyybdlblm ignij`by }b`` kn io{{bna d~ Qgnyn ignijy nly~{n go gn yrynh by yobio``r idhs`nn ola {noar {noar d yn d }d{j Ignijy io{{bna d~ }b`` bli`~an gn fd``d}blm5 (

Ob{ yrynhy5 (         

Hnoy~{nhnl sdbly banlbfbna ola ny gd`ny a{b``na Aohsn{y blyo``na ola oiinyybk`n Fol igohkn{, a~i}d{j ola yrynh idhsdlnly fbna ola i`nol Fb{n aohsn{y dsnl ]b{blm idhs`nn & sd}n{ ovobòk`n ovobòk`n O`` n`ni{bio` nyy idhs`nna Fol ola hdd{ f{nn d {don Kno{blmy `~k{biona A{bvn yrynh id{{ni`r yn

]on{ yrynh5 (       

Hnoy~{nhnl sdbly y~bok`r `diona Yrynh gd{d~mg`r nyna ola }on{bmg Yrynh f`~ygna, i`nolna ola o`` y{obln{y ignijna fd{ i`nol`blnyy i`nol`blnyy Yrynh vnlna ola hojn ~s y~ss`r dsn{obdlo` ]b{blm idhs`nn ola sd}n{ ovobòk`n O`` n`ni{bio` nyy idhs`nna S~hs ola hdd{ f{nn d {don







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm Ynblm d ]d{j Dlin o`` gn oss`biok`n s{n(idhhbyybdlblm oibvbbny govn knnl yobyfoid{b`r bijna dff, gn yrynh }b`` kn {noar d yn(d(}d{j Gd}nvn{, gby gby oibvbr }b`` }b`` o`yd kn kn io{{bna d~ bl oiid{aolin }bg o s{n(s{nso{na ignij ygnn Ignijy io{{bna d~ }b`` bli`~an gn fd``d}blm5 (

Ob{ yrynhy5 (          

O`` k{olig ola n{hblo` aohsn{y dsnl Fol hobl aohsn{ >3. dsnl O~dhobi aohsn{y yn d f~`` f{nyg ob{ d{ f~`` {nib{i~òbdl Y~ss`r ola nw{oi foly ovobòk`n d {~l ]blad}y ola add{y i`dyna Ab{nibdl df {dobdl id{{ni Ld ~la~n ldbyn d{ vbk{obdl annina F~yny, y}bigmno{ ola hdd{ ld dvn{y{nyyna [~llblm i~{{nl `d}n{ gol hdd{ F@I Fol s{nyy~{n anvn`dsna ld nwinnablm yrynh anybml

]on{ Yrynhy5 (        

O`` ld{ho``r dsnl vo`vny o{n dsnl ola ld{ho``r i`dyna vo`vny o{n i`dyna O`` o~dhobi vo`vny hol~o``r dvn{{baanl S~hs abyigo{mn vo`vn >3. i`dyna d `bhb yo{ i~{{nl Ab{nibdl df {dobdl id{{ni Ld ~la~n ldbyn d{ vbk{obdl annina F~yny, y}bigmno{ ola hdd{ ld dvn{y{nyyna [~llblm i~{{nl `d}n{ gol hdd{ F@I S~hs s{nyy~{n anvn`dsna ld nwinnablm yrynh anybml









SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm MNLN[O@ S[DINA^[NY FD[ IDHHBYYBDLBLM DF OB[ YRYQNHY Qgn fd``d}blm s{dina~{n by o k{bnf m~ban, }gbig d~{ yoff }b`` kn ~yblm d io{{r d~ gn nyblm, oae~yblm ola koòliblm koòliblm df `d} vn`dibr ob{ yrynhy O`gd~mg hd{n gol gol dln hngda df oss{doig oss{doig d koòliblm by sdyybk`n }bg gn yohn fblo` {ny~`, }n fovd~{ gn s{dsd{bdlo` koòlin hngda ]gn{n lninyyo{r f~{gn{ {nfn{nlin }b`` kn yd~mg ab{ni`r f{dh LNKK ( Qgn S{dina~{o` Yolao{ay Fd{ Qnyblm, Oae~yblm ola Koòliblm df GVOI Yrynhy ’ ?22? Ofn{ nly~{blm go o`` s{n(idhhbyybdlblm ola ynblm(d(}d{j ignijy govn knnl idhs`nna yobyfoid{b`r gn fd``d}blm ynsy fd{ Idhh byybdlblm }b`` kn fd``d}na

S{nso{obdl o" Idlfb{h go nvn{r bnh offniblm gn ob{f`d} ob{f`d} df o a~i yrynh by {noar fd{ gn QOK }d{j, }d{j, y~ig oy add{y ola }blad}y knblm i`dyna, inb`blm b`ny '{n~{l ob{ s`nl~hy" bl sòin, ni k" Idlfb{h go o`` o~dhobi idl{d` anvbiny anvbiny }b`` ld offni Idhhbyybdlblm dsn{obdly dsn{obdly i" Nyok`byg gn idlabbdly idlabbdly fd{ gn howbh~h anhola yrynh yrynh ob{f`d}

Yrynh Yo{(^s o" Ofn{ nly~{blm go gn yrynhy d kn koòlina o{n bl gnb{ ld{ho` dsn{oblm dsn{oblm idlabbdl bn o`` ld{ho``r dsnl aohsn{y dsnl ola ld{ho``r i`dyna aohsn{y i`dyna, govn ol o~gd{buna o~gd{buna sn{ydl yo{ gn lninyyo{r foly foly 'Hobl fol VIA-y ygd~à kn {nm~òna {nm~òna d >3. d `bhb blbbo` hdd{ yo{ i~{{nl" i~{{nl" Qgdyn ~lby, }gbig hbw f{nyg ola ola {nib{i~òna ob{, ob{, }b`` kn blbbo``r nyna nyna ~y~o``r bl gn f~`` {nib{i~òbdl ob{ ob{ idlabbdl Qgn s{dsd{bdl df df f{nyg







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm Koòliblm ( 'S{dsd{bdlo` Hngda" o" ]gn{n s{oibio` hojn Sbd ~kn {ovn{yny dl o`` hobl y~ss`r ola hoed{ k{olig a~iy d ann{hbln gn ob{ aby{bk~bdl aby{bk~bdl Blvnybmon olr k{olig k{olig go by vn{r `d} bl bl iosoibr d hojn y~{n go ld k`dijomn nwbyy k" Io{{r d~ ol blbbo` yiol df o`` n{hblo`y ~yblm o ab{ni vd`~hn F`d}gdda $ ko`dhnn{ d{ olnhdhnn{ ola idly{~ina hnoy~{blm gdda 'bf lninyyo{r" ola `dm {ny~`y dl {n`nvol ny adi~hnl i" ]bg gn oba df o yblm`n `bln yignhobi ola gn dkoblna ny aoo banlbfr gn blanw n{hblo` 'idhhdl`r gn f~{gny k{olig f{dh fol" a" ]d{jblm koij d}o{ay gn fol f{dh gn blanw n{hblo`, oae~y noig n{hblo` n{hblo` aohsn{ bl ~{l d dkobl o {noablm bl s{dsd{bdl }bg gn blanw 'bano``r ol dvn{o`` {noablm df }bgbl ¿?3. kn}nnl n{hblo`y ygd~à kn dkoblok`n" n" Dlin o`` n{hblo`y dl gby k{olig o{n s{dsd{bdlo``r bl koòlin }bg noig dgn{ hdvn dld gn lnw lno{ny k{olig Qojblm gn n{hblo` }bg gn `d}ny `d}ny a~r idhso{na idhso{na d by anybml {nsno gn nwn{ibyn anyi{bkna anyi{bkna bl 'a" okdvn Qgby oibvbr by gnl {nsnona {nsnona ~lb` o`` k{oligny govn blabvba~o``r knnl s{dsd{bdlo``r koòlina f" Qgn lnw yns by d s{dsd{bdlo``r s{dsd{bdlo``r koòlin gn hobl k{oligny k{oligny Yn`ni gn blanw k{olig, k{olig, gby }b`` kn gn k{olig }gdyn nyna a~r by gn `d}ny idhso{na d by anybml a~r Qgnl, }d{jblm koij d gn fol, gn dgn{ k{oligny o{n oae~yna kr ~yn df gnb{ hobl aohsn{y ~lb` gnr o{n s{dsd{bdlo``r bl koòlin }bg gn blanw Oy hnoy~{nhnl kr Sbd {ovn{yn iol kn o `nlmgr s{dinyy, oy `dlm oy gn ny gd`ny govn knnl sdybbdlna ad}ly{noh df gn aohsn{, koòliblm df gn k{oligny iol kn io{{bna d~ ~yblm gn yq~o{n ò} {nòbdlygbs kn}nnl yobi s{nyy~{n ola f`d} Qgn{nfd{n dl`r yblm`n sdbl yobi s{nyy~{n {noablmy lnna kn ojnl







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm MNLN[O@ S[DINA^[NY FD[ IDHHBYYBDLBLM DF ]OQN[ YRYQNHY Qgn fd``d}blm s{dina~{n by o k{bnf m~ban, }gbig d~{ yoff }b`` kn ~yblm d io{{r d~ gn nyblm, oae~yblm ola koòliblm koòliblm df gn igb``na }on{ yrynh O`gd~mg hd{n gol dln hngda df oss{doig oss{doig d koòliblm by sdyybk`n }bg gn yohn fblo` {ny~`, }n fovd~{ gn s{dsd{bdlo` koòlin hngda ]gn{n lninyyo{r f~{gn{ {nfn{nlin }b`` kn yd~mg ab{ni`r f{dh LNKK ( Qgn S{dina~{o` Yolao{ay Fd{ Qnyblm, Oae~yblm ola Koòliblm df GVOI Yrynhy ’ ?22? Ofn{ nly~{blm go o`` s{n(idhhbyybdlblm ola ynblm(d(}d{j ignijy govn knnl idhs`nna yobyfoid{b`r gn fd``d}blm ynsy fd{ Idhhbyybdlblm ygo`` kn fd``d}na

S{nso{obdl o" Nly~{n yrynh goy knnl f`~ygna, f`~ygna, {nfb``na ola s{dsn{`r s{dsn{`r vnlna vnlna k" Idlfb{h o`` o~dhobi vo`vny o{n hol~o``r hol~o``r dvn{{baanl dvn{{baanl bld gn f~`` f`d} idlabbdl idlabbdl i" Nly~{n s{nyy~{buobdl s{nyy~{buobdl ~lb d{ F & N olj o{n fb``na ola dsn{obdlo` dsn{obdlo`

Yrynh Yo{(^s o" Nly~{n go gn yrynh d kn koòlina by bl by ld{ho` dsn{oblm idlabbdl, bn: o`` ld{ho``r dsnl vo`vny o{n dsnl ola ld{ho``r i`dyna vo`vny o{n i`dyna 'Bl ioyny }gn{n 9 sd{ o~dhobi idl{d` vo`vny o{n blyo``na gnr ygd~à kn yn d f~`` f`d} g{d~mg gn idb` ola gn krsoyy vo`vn ygd~à kn bydòna" k" Govn ol o~gd{buna sn{ydl yo{ ~s gn s~hs

'Hobl abyigo{mn vo`vn ygd~à kn







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm S~hs Qny o" ]bg s~hs {~llblm, m{oa~o``r m{oa~o``r i`dyn hobl abyigo{mn vo`vn f~``r ola {nid{a y~ibdl ola abyigo{mn s{nyy~{ny k" ^yblm yg~(dff gnoa, ann{hbln ola vn{bfr oi~o` s~hs dsn{oblm i~{vn ola ola gn ybun df bhsn``n{ Idhso{n gby aoo aoo }bg gn y~khbna y~khbna aoo i~{vny i~{vny Bf gn ny sdbl sdbl fo``y dl gn gn anybml i~{vn, s{dinna d gn lnw yns: bf ld, s`d o ln} i~{vn so{o``n` }bg dgn{ i~{vny dl gn igo{, f{dh un{d f`d} d howbh~h f`d} Hojn y~{n gn ny {noablmy {noablmy }n{n ojnl id{{ni`r id{{ni `r knfd{n s`dblm o ln} i~{vn S{nfn{ok`r dln mo~mn ygd~à kn ~yna d {noa abffn{nlbo` s{nyy~{n i" Dsnl gn abyigo{mn koòliblm vo`vn y`d}`r d gn f~``r dsnl sdybbdl: {nid{a gn abyigo{mn s{nyy~{n, s{nyy~{n, y~ibdl s{nyy~{n ola do` gnoa gnoa ^yblm gn do` gnoa, {noa {noa gn yrynh }on{ f`d} f{dh gn id{{nina s~hs i~{vn nyok`bygna bl yns k a" Bf f`d} hnn{y d{ io`bk{ona koòliblm vo`vny o{n blyo``na, }gbig }d~à o``d} gn f`d} {on df gn s~hs ib{i~b'y" d kn hnoy~{na, sn{fd{h gn lninyyo{r }d{j ola {nid{a gn aoo Idhso{n gby d gn {noablm {nid{ana {nid{ana f{dh gn s~hs s~hs i~{vn n" Qgn do` s~hs f`d} {on ygd~à ygd~à kn }bgbl }bgbl ¿?3. df gn anybml anybml {nq~b{nhnl {nq~b{nhnl Bf b by `d} ignij s{nyy~{n a{dsy oi{dyy idb`y, gno nwigolmny, y{obln{y ni ola i{dyy({nfn{nlin d anybml fbm~{ny fd{ oldho`bny Bf gn a~r by gbmg b }b`` }b`` lnna d kn {nm~òna {nm~òna dl gn hobl koòliblm vo`vn

Koòliblm ( 'S{dsd{bdlo` Hngda" o" Io{{r d~ ol blbbo` yiol df o`` koòliblm vo`vny ola `dm {ny~`y dl {n`nvol ny adi~hnl adi~hnl  Blvnybmon Blvnybmo n olr okld{ho``r `d} {noablm fd{ k`dijomn d{ ob{ `dij k" ]bg gn oba df o yblm`n `bln yignhobi ola gn dkoblna dkoblna ny aoo banlbfr gn blanw blanw vo`vn







SQY SN[FD[HOLIN Q[OABLM YN[VBINY Hngda Yonhnl fd{ OIHV Qnyblm & Idhhbyybdlblm NLVB[DLHNLQO@ NVO@ÔQBDL$FBLN Q^LBLM Fbln(~lblm df gn yrynhy iol kn io{{bna d~ o gby yomn d bhs{dvn gn nlvb{dlhnlo` idlabbdl df gn ysoin Qgby fblo` ~lblm }b`` }b`` ~y~o``r kn bl gn fd{h df oae~yhnly d gn idl{d`y idl{d`y yrynh {ogn{ gol gn sgrybio` yrynh Bf b by fd~la lninyyo{r d hojn olr hoed{ oae~yhnly d ob{ d{ }on{ f`d}, b ygd~à kn k{d~mg d gn onlbdl df gn anybml anybml noh s{bd{ d hojblm y~ig oae~yhnly Qgn idhhbyybdlblm noh noh {n`bny dl gn aoo mbvnl d gnh kr gn anybml noh }gd }b`` govn io{{bna d~ o`` gn `doa ioì~òbdly Qgn{nfd{n bf gn yrynh goy knnl yn d gn anyb{na a~bny k~ gnl adny ld sn{fd{h oy blnlana gby by ld gn {nysdlybkb`br {nysdlybkb`br df gn idhhbyybdlblm ysnibo`byy

ADI^HNLQOQBDL Qgn bhsd{olin df oii~{on, }n`` s{nynlna s{nynlna adi~hnlobdl adi~hnlobdl iolld kn dvn{nhsgoybuna dvn{nhsgoybuna B fd{hy gn dl`r sgrybio` nvbanlin df gn idhs`nbdl df gn idhhbyybdlblm oibvbr, oy }n`` oy knblm df vbo` bhsd{ qolin qolin qd qgn dsn{oqbdl ola ola hoblqnlolin qnohy, qnohy, Bq iol yovn holr hoblqnlolin hoblqnlolin ‗hol gd~{y‒ a~{blm fo~` fblablm kr knblm knblm o koyn `bln ignij fd{ o`` o{noy df o yrynh Qny {ny~`y }b`` kn adi~hnlna bl gn Q & I Fd{hy

IDHHBYYBDLBLM M^BAN Qgby adi~hnl goy knnl s{nso{na bl {nòbdl d gn fd``d}blm s{dina~{o` yolao{ay ola idhhbyybdlblm m~bany [n`nvol nwin{sy govn knnl knnl ooigna fd{ noyn df {nfn{nlin {nfn{nlin

T&C Method Statement

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