Terms & Conditions

Welcome to our digital lending platform. By accessing or using our website and services, you agree to comply with and be bound by the following Terms and Conditions. Please read these terms carefully before applying for a loan or using any of our services. If you do not agree to these terms, you must not use our platform.

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1. Eligibility Criteria

To be eligible to use our services and apply for an unsecured business loan, you must:

• Be an Indian citizen resident in India.
• Be at least 21 years of age and not older than 65 years at the time of loan maturity.
• Operate a legally recognized business entity (Proprietorship, Partnership, LLP, or Pvt Ltd) in India.
• Have a valid PAN and bank account in the name of the business or the applicant.

2. Loan Application and Approval

Submitting a loan application on our platform does not guarantee approval or disbursement of funds. All loan applications are subject to credit assessment, verification of provided documents, and the final approval of our partner NBFCs and banks. We reserve the right to reject any application without providing a specific reason.

3. User Responsibilities

As a user of this platform, you agree to:

• Provide accurate, current, and complete information during the application process.
• Authorize us and our lending partners to fetch your credit report from authorized credit bureaus (like CIBIL, Experian, etc.).
• Not use the platform for any fraudulent, illegal, or unauthorized purposes.
• Ensure that the loan funds are used strictly for business purposes and not for speculative, illegal, or personal use.

4. Interest Rates, Fees, and Repayment

The final interest rate, processing fee, and loan tenure will be determined based on your credit profile and will be explicitly mentioned in the Loan Agreement provided by the lending partner. You are obligated to ensure timely repayment of Equated Monthly Installments (EMIs). In the event of a bounce or delayed payment, penal interest and bounce charges will be applicable as per the terms of the Loan Agreement.

5. Limitation of Liability

We act as a technology facilitator connecting borrowers with registered financial institutions. We shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our services, delayed loan disbursements, or actions taken by the lending partners.

6. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in Jagadhri, Haryana.

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