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Terms & Conditions

General Terms of Use for All Users

Our Terms & Conditions establish the legal framework governing your relationship with our lending platform. Please review them carefully to understand your rights, responsibilities, and the conditions applicable to our loan products

Before using the services of A.G.F. Finlease (India) Limited , please read the Terms & Conditions carefully.

By clicking “I Agree” , downloading, installing, or using our services, you enter into a legally binding contract with the Company. If you do not agree, please discontinue usage immediately

Definitions

  • Application: The mobile app developed by the Company.
  • Lender: Partner banks or NBFCs responsible for loan approval and disbursement.
  • Loan: Financial assistance provided as per the Loan Agreement.
  • Outstanding Amount: Principal + interest + applicable charges.
  • Platform: The Company’s website and mobile application.
  • User Data: Any information submitted by the user.
  • Third-Party Platforms: External platforms like LinkedIn, Facebook, etc.

Services

  • Users must register through the App and provide accurate personal and financial information.
  • The Company collects and verifies user data for loan approval.
  • Users authorize the Company to collect data from third-party platforms.
  • Additional documents may be required by the Lender before disbursement.
  • Users must repay the loan on or before the due date.
  • Location tracking may continue until the completion of all obligations.
  • Users are responsible for all actions performed using their account.

Licence

Users are granted a limited, non-exclusive, non-transferable licence to download and use the App.

The App is licensed—not sold—and must be used strictly as per these terms.

Restrictions

Users must not:

  • Engage in fraud or illegal activities.
  • Upload harmful, abusive, or misleading content.
  • Distribute viruses or malicious software.
  • Interfere with the platform or network operations.
  • Violate any applicable laws.

Third-Party Links & Advertisements

  • The Company is not responsible for content on external websites.
  • Third-party advertisements do not imply endorsement.
  • Users must contact third parties directly for details.

Termination

The Company may suspend or terminate access for violation of terms or legal obligations.Users must repay all outstanding dues even after termination.

Disclaimer of Warranties

All services are provided as it is without any expressed or implied warranties.

Indemnity

Users agree to indemnify and hold the Company harmless from claims arising from misuse or violation of terms.

Limitation of Liability

The Company will not be liable for any damages resulting from the use of the platform or services.

Force Majeure

The Company will not be responsible for service interruptions due to events beyond control.

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Terms & Conditions

1. Acceptance of Terms

By accessing and using this loan application service, you accept and agree to be bound by the terms and provision of this agreement.

2. Loan Application

When you submit a loan application, you agree that all information provided is accurate and complete. We reserve the right to verify this information and reject applications that contain false or misleading information.

3. Eligibility

To be eligible for a loan, you must be at least 18 years old, be a resident of the applicable jurisdiction, have a valid government-issued ID, and meet our minimum income requirements.

4. Interest Rates and Fees

Interest rates and fees will be clearly disclosed before you accept any loan offer. These rates may vary based on your credit profile, loan amount, and term.

5. Repayment

You agree to repay the loan according to the schedule provided. Late payments may result in additional fees and may affect your credit score.

6. Data Usage

We may use your data to process your application, verify your identity, assess your creditworthiness, and for marketing purposes as described in our Privacy Policy.

Privacy Policy

1. Information We Collect

We collect personal information that you provide directly to us, including your name, email address, phone number, financial information, and identification documents.

2. How We Use Your Information

We use the information we collect to process your loan application, verify your identity, assess your creditworthiness, communicate with you, and improve our services.

3. Information Sharing

We may share your information with credit bureaus, financial institutions, service providers, and as required by law. We do not sell your personal information to third parties.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

5. Your Rights

You have the right to access, correct, or delete your personal information. You may also opt out of marketing communications at any time.

6. Cookies

We use cookies and similar technologies to enhance your experience, analyze usage, and assist in our marketing efforts.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us at privacy@example.com.