These Terms of Service (“Terms”) explain the rights and obligations that apply when you use this mobile application (“App”) and the financial services provided through it (“Services”). By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not accept these Terms, you must stop using the App immediately.
To access or use the Services, you confirm that:
You are an Indian citizen or lawful resident in India
You are between 20 and 60 years of age
You are legally competent to enter into a binding contract
All information you provide is accurate and complete
The provider may refuse Services if eligibility requirements are not satisfied or verification fails.
To apply for a loan, you must create an account using accurate personal and financial information.
By registering, you agree to:
Keep your login credentials secure
Notify support immediately if you suspect unauthorized access
Maintain up-to-date profile and contact information
You are responsible for all actions taken through your account.
Submitting a loan request does not guarantee approval.
Each loan application is evaluated based on:
Identity and KYC verification
Financial data and repayment capacity
Credit bureau records
Internal risk and compliance policies
If approved, you must review and sign the digital loan agreement before the loan is disbursed.
Before accepting a loan, all charges will be displayed transparently, including:
Loan amount
Tenure
Annual Percentage Rate (APR)
Processing fee
Applicable taxes
Once you accept the loan, you must repay the full principal, interest, and any applicable fees according to the repayment schedule.
You must repay the loan on or before each due date shown in the App.
Late repayments may incur additional charges or interest
Early repayment (prepayment) may be allowed as per regulatory norms
Failure to pay on time may affect your credit score
You authorize the provider to report repayment performance to recognized credit bureaus.
You agree NOT to:
Use the App for illegal or fraudulent activities
Provide false or misleading information
Interfere with, reverse-engineer, or disrupt App functionality
Upload harmful, malicious, or unauthorized content
Your access may be restricted if prohibited activity is detected.
Your account may be suspended or terminated if:
You violate these Terms
Fraudulent or incorrect information is detected
You pose operational, financial, or security risks
Required verification fails or is incomplete
Termination does not cancel obligations to repay outstanding loan amounts.
The provider is not responsible for:
Losses arising from device malfunction or internet issues
Unauthorized access resulting from user negligence
Service interruptions during maintenance or technical issues
Any indirect, incidental, or consequential damages
Use of the App is at your own risk.
You agree to indemnify and hold harmless the service provider, its employees, and partners from claims or losses arising from:
Your violation of these Terms
Misuse of the App or Services
Breach of applicable laws
These Terms may be updated occasionally due to legal, regulatory, or operational requirements.
Updated Terms will be displayed in the App.
Continued use of the Services indicates acceptance of the revised Terms.
These Terms are governed solely by the laws of India.
Any dispute will fall under the jurisdiction of the appropriate courts where the lender is registered.
For questions related to these Terms or the Services, please use the support details provided within the App.