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    <h3>TERMS & CONDITIONS</h3>


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Effective Date: [DD/MM/YYYY]</br>
Last Updated: [DD/MM/YYYY]
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1. Introduction</br>

Welcome to EMI CREDITS (“EMI CREDITS”, “Company”, “we”, “us”, or “our”).</br>

These Terms & Conditions (“Terms”) govern your access to and use of the EMI CREDITS website, application, digital platforms, products and services (collectively, the “Platform” or “Services”).

By accessing, registering with, applying for, or using our Platform or Services, you acknowledge that you have read, understood and agreed to be bound by these Terms, together with our Privacy Policy and any additional terms applicable to a specific product or service.

If you do not agree with these Terms, please do not access or use our Platform or Services.</br>

2. About Our Services</br>

EMI CREDITS provides technology-enabled financial and financing-related services through its Platform.

Depending on the product selected by the customer, the Services may include financing assistance, EMI-based financing solutions, application processing, payment facilitation, customer support and other related services.

The availability of any financing facility is subject to applicable eligibility requirements, verification, assessment, documentation and approval.

EMI CREDITS does not guarantee that every application will be approved.

Where a financing facility is provided by a regulated financial institution, lender, partner or other authorised entity (“Lending Partner”), the applicable loan/financing agreement and terms of that Lending Partner shall also apply.
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3. Eligibility</br>

To use our Services, you must:

Be legally capable of entering into a binding agreement;
Provide accurate and complete information;
Satisfy the applicable eligibility criteria;
Provide valid identification and verification documents when required;
Have the legal authority to use the payment method or bank account provided;
Comply with all applicable laws and regulations.

We may reject, suspend or cancel an application where the information provided is incomplete, inaccurate, misleading or unverifiable.</br>

4. Registration and Account</br>

Certain Services may require you to create an account or submit an application.

You are responsible for maintaining the confidentiality of your login credentials, OTPs, passwords and other authentication information.

You must immediately inform us if you believe that your account or credentials have been accessed or used without your authorisation.

You must not:

Share your account credentials with another person;
Use another person's account;
Provide false information;
Attempt to gain unauthorised access to the Platform;
Use the Platform for unlawful purposes.

EMI CREDITS shall not be responsible for losses arising from unauthorised use caused by your failure to protect your account credentials.

5. Application and Verification

When submitting an application, you agree to provide accurate, current and complete information.

We may request documents or information including, but not limited to:

Identity documents;
Address proof;
Bank account information;
Income or employment information;
Business information;
Contact information;
Other documents reasonably required for verification.

We may conduct verification, eligibility checks, fraud checks, credit-related assessments or other due diligence as permitted by applicable law.

Submission of an application does not constitute approval or a commitment to provide financing.

6. Approval of Financing

Any financing facility is subject to eligibility, internal assessment, documentation and approval requirements.

The amount, tenure, applicable interest or financing charges, processing fees, EMI amount, repayment schedule and other applicable charges will be communicated to the customer before or at the time of entering into the applicable financing agreement, as required by law.

The final terms applicable to a particular financing facility shall be those stated in the relevant agreement, sanction document, Key Fact Statement, schedule or other applicable documentation.

7. Interest, Fees and Charges

Applicable interest, processing fees, service charges, late payment charges, foreclosure/prepayment charges or other applicable fees, if any, shall be disclosed to the customer in accordance with applicable law and the relevant product terms.

Customers are responsible for reviewing all applicable charges before accepting a financing facility.

Unless expressly stated otherwise, taxes, statutory charges and other government-imposed charges may be payable by the customer as applicable.

8. EMI and Repayment

Where an EMI-based facility is provided, the customer agrees to repay the applicable amount according to the repayment schedule communicated to them.

Payments must be made through the payment methods authorised or made available by EMI CREDITS or the applicable Lending Partner.

The customer is responsible for ensuring that sufficient funds are available for scheduled payments.

Failure to make payments on time may result in applicable charges, collection/recovery actions, reporting to relevant credit information systems where legally permitted, or other consequences specified in the applicable financing agreement.

9. Default

A customer may be considered in default if the customer fails to comply with the applicable financing agreement or repayment obligations.

In the event of default, EMI CREDITS and/or the applicable Lending Partner may take actions permitted under the applicable agreement and law.

Any collection or recovery activity shall be conducted in accordance with applicable legal and regulatory requirements.

10. Payment Processing

Payments may be processed through third-party payment gateways, banks or other payment service providers.

EMI CREDITS may not be responsible for delays, failures or interruptions caused by a bank, payment gateway, network provider or other third-party service provider, except to the extent required by applicable law.

Customers should retain payment confirmations and transaction references for their records.

11. Cancellation and Refund

Cancellation and refund eligibility shall depend on the nature of the Service, the stage of processing and the applicable product or financing agreement.

Any processing fee or service charge may be refundable or non-refundable as specifically disclosed to the customer and permitted under applicable law.

Where a refund is approved, it may be processed through the original payment method or another permitted method.

Refund timelines may depend on the relevant bank, payment gateway or payment service provider.

12. Customer Responsibilities

You agree to:

Provide truthful and accurate information;
Keep your contact details updated;
Protect your account credentials and OTPs;
Make payments within the applicable due dates;
Review all financing documents before accepting them;
Notify us promptly of any unauthorised transaction or account activity;
Comply with applicable laws;
Use the Platform only for legitimate purposes.

You must not submit applications or documents containing fraudulent, forged or misleading information.

13. KYC and Compliance

Where required, EMI CREDITS or its authorised partners may perform Know Your Customer (“KYC”), identity verification, address verification, fraud prevention and other compliance checks.

You authorise us, to the extent permitted by applicable law, to verify the information and documents provided by you.

Failure to complete required verification may result in rejection, suspension or cancellation of the application or Service.

14. Credit Information and Verification

Where permitted by applicable law and where relevant to the Service, information provided by customers may be used for eligibility assessment, credit assessment, fraud prevention, compliance and related purposes.

Where applicable, information may be shared with authorised credit information companies, financial institutions, Lending Partners or service providers in accordance with applicable law and required consents.

15. Privacy and Data Protection

Your personal information will be handled in accordance with our Privacy Policy and applicable data-protection laws.

We may collect and process information that is reasonably necessary to provide Services, verify identity, process applications, prevent fraud, comply with legal obligations, process payments, provide customer support and perform other lawful business activities.

Where consent is required, we will seek the appropriate consent before processing such information.

You should read our Privacy Policy carefully before using the Platform.

16. Third-Party Services

Our Platform may integrate with third-party services, including payment gateways, banks, financial institutions, KYC providers, communication providers, technology providers and other service providers.

Third-party services may be governed by their own terms and privacy policies.

EMI CREDITS shall not be responsible for matters exclusively caused by a third-party service provider, subject to applicable law.

17. Electronic Communications

By using our Platform, you agree that we may communicate with you electronically through permitted channels, including:

Email;
SMS;
Telephone;
WhatsApp or other permitted messaging services;
In-app notifications;
Website notifications.

Such communications may relate to applications, transactions, repayments, account activity, service updates, security alerts and other matters relating to your relationship with EMI CREDITS.

Marketing communications, where applicable, shall be handled in accordance with applicable consent and communication requirements.

18. Intellectual Property

All content available on the Platform, including text, graphics, logos, icons, designs, software, images, layouts, trademarks and other materials, is owned by or licensed to EMI CREDITS unless otherwise stated.

You may not copy, reproduce, modify, distribute, sell, publish, reverse engineer or commercially exploit any part of the Platform without prior written permission.

19. Prohibited Activities

You must not use the Platform to:

Commit or facilitate fraud;
Submit false or forged documents;
Engage in unlawful activities;
Attempt unauthorised access;
Introduce malware or harmful code;
Interfere with Platform security;
Scrape or systematically extract Platform data without permission;
Impersonate another person;
Misuse another person's personal or financial information;
Circumvent applicable security or verification procedures.

We reserve the right to suspend or terminate access where prohibited activity is suspected or detected, subject to applicable law.

20. Platform Availability

We aim to keep the Platform available and functional; however, uninterrupted availability cannot be guaranteed.

The Platform may occasionally be unavailable due to:

Maintenance;
Technical failures;
Network problems;
Cybersecurity incidents;
Third-party service interruptions;
Force majeure events;
Other circumstances beyond our reasonable control.

We may modify, suspend or discontinue any feature or Service subject to applicable law and contractual obligations.

21. Accuracy of Information

We make reasonable efforts to ensure that information displayed on the Platform is accurate and current.

However, information may occasionally contain errors, omissions or delays.

Financial terms applicable to a customer shall be determined by the applicable financing documentation and not solely by general information displayed on the website.

22. Limitation of Liability

To the maximum extent permitted by applicable law, EMI CREDITS shall not be liable for indirect, incidental, special or consequential losses arising from the use of the Platform or Services.

Nothing in these Terms shall exclude or limit any liability that cannot lawfully be excluded or limited under applicable law.

Where a Service is provided by a Lending Partner or third-party service provider, the respective contractual terms and responsibilities of that entity shall also apply.

23. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless EMI CREDITS, its directors, officers, employees, representatives and authorised service providers from claims, losses, liabilities, damages, costs or expenses arising from:

Your breach of these Terms;
Fraudulent or misleading information provided by you;
Unlawful use of the Platform;
Violation of another person's rights;
Misuse of your account;
Violation of applicable laws.
24. Suspension and Termination

We may suspend or terminate your access to the Platform if:

You violate these Terms;
You provide false or misleading information;
Fraud or suspicious activity is detected;
Required verification cannot be completed;
Continued access may create legal, regulatory or security risks;
Required by law or competent authority.

Termination of Platform access shall not automatically cancel any outstanding financial obligation under an applicable financing agreement.

25. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services, technology, business practices, legal requirements or regulatory requirements.

Updated Terms will be published on the Platform with an updated “Last Updated” date.

Your continued use of the Platform after the effective date of updated Terms may constitute acceptance of the revised Terms to the extent permitted by law.

26. Grievance Redressal

If you have a complaint, concern or dispute regarding our Services, you may contact our customer support or grievance redressal team using the contact details published on the Platform.

We will endeavour to acknowledge and address complaints within the timelines applicable under law and our internal grievance process.

Grievance Officer: [Name]
Email: [grievance@nexfinserv.com]
Phone: [Phone Number]
Address: [Registered Office Address]

Where a regulated Lending Partner is involved, customers may also use the grievance mechanism specified by that Lending Partner and applicable regulatory framework.

27. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws applicable in India.

Subject to applicable law and the jurisdiction of statutory and regulatory authorities, disputes shall be subject to the jurisdiction of the competent courts at [City, State].

28. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, the remaining provisions shall continue to remain in effect to the extent permitted by law.

29. Entire Agreement

These Terms, together with the Privacy Policy, applicable financing agreement, application terms, schedules, disclosures and other applicable documents, constitute the agreement governing your use of the relevant Services.

If there is a conflict between these Terms and a specific financing agreement, the terms of the specific financing agreement shall prevail to the extent of such conflict.

30. Contact Us

For questions regarding these Terms or our Services, please contact:

EMI CREDITS
Registered Office: [Full Address]
Email: [support@nexfinserv.com]
Phone: [Phone Number]
Website: [Website URL]

Important Notice

These Terms & Conditions are intended as a general commercial draft and should be reviewed and customised by a qualified legal professional before publication or use.

In particular, EMI CREDITS should confirm its exact legal entity, regulatory status, Lending Partner arrangements, financing model, applicable charges, refund policy, grievance mechanism and data-processing practices before this document is made effective.
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