1. Acceptance of Terms
By accessing and using this website, you agree to comply with these terms and conditions.
If you do not agree with any part of these terms, you should not use our services.
Continued use of the platform indicates acceptance of all policies.
These terms apply to all users including borrowers and visitors.
We may update these terms periodically without prior notice.
2. Eligibility
Users must be at least 18 years old to apply for a loan.
You must be an Indian resident with valid KYC documents.
You must provide accurate and complete information.
Providing false details may lead to rejection or legal action.
Eligibility criteria may change as per company policy.
3. Loan Application
Submitting an application does not guarantee loan approval.
Approval depends on credit evaluation and verification.
We reserve the right to reject any application.
Loan amount and tenure depend on eligibility.
Users must review loan agreement before acceptance.
4. Interest & Charges
Interest rates and fees vary based on profile and tenure.
Processing fees and taxes may apply.
APR reflects total cost of borrowing.
Charges are mentioned in loan agreement.
Users must review charges carefully before accepting loan.
5. Repayment
Users must repay loan on or before due date.
Late payments may attract penalties.
Failure to repay may impact credit score.
Users are responsible for timely payment.
Repayment schedule is shared after approval.
6. Prepayment
Prepayment may be allowed without penalty in some cases.
Users should confirm prepayment amount before paying.
Prepayment must include full outstanding balance.
Loan will close only after full payment.
Terms may vary for promotional offers.
7. Credit Bureau Authorization
Users authorize us to check credit report.
We may report repayment history to bureaus.
Credit score may impact loan approval.
Late payments may affect score.
Authorization is granted upon application.
8. Data Privacy
We collect and use data as per privacy policy.
Data is used for verification and processing.
We implement security measures to protect data.
Users consent to data usage by applying.
Please review privacy policy for details.
9. User Responsibilities
Users must provide accurate information.
Users must keep login details secure.
Misuse of platform is prohibited.
Fraudulent activity may lead to legal action.
Users are responsible for actions under their account.
10. Cancellation
Applications may be cancelled before approval.
After disbursal, cancellation may not be possible.
Users must repay loan even if service discontinued.
Refund policy applies where applicable.
Contact support for cancellation requests.
11. Third-Party Services
We may use third-party services for verification.
Payment gateways may process transactions.
We are not responsible for third-party delays.
Users should review third-party policies.
We ensure partners follow compliance standards.
12. Communication
Users agree to receive calls and messages.
Communication may include loan updates.
Promotional messages may be sent with consent.
Users can opt out of marketing messages.
Transaction messages cannot be opted out.
13. Intellectual Property
All website content belongs to company.
Users cannot copy or distribute content.
Unauthorized use is prohibited.
Trademarks remain property of company.
Legal action may be taken for misuse.
14. Limitation of Liability
We are not liable for indirect losses.
We are not responsible for banking delays.
Users use services at their own risk.
Liability is limited to extent permitted by law.
Users agree to these limitations.
15. Suspension of Account
Accounts may be suspended for violations.
Fraudulent activity may lead to termination.
Users will be notified where possible.
Suspension does not waive repayment obligation.
Company decision will be final.
16. Changes to Terms
We may update terms anytime.
Updates will be posted on website.
Continued use means acceptance.
Users should review terms regularly.
New terms apply immediately after posting.
17. Governing Law
These terms are governed by Indian law.
Disputes fall under jurisdiction of local courts.
Users agree to legal jurisdiction.
Legal proceedings follow applicable law.
Compliance with regulations is maintained.
18. Dispute Resolution
Users may contact support for disputes.
We aim to resolve issues promptly.
Disputes will be reviewed fairly.
Arbitration may be used where applicable.
Final decision rests with company.
19. Contact Information
Email: support@udhaarnow.com
Phone: +91 XXXXX XXXXX
Address: Noida, India
Contact us for queries regarding terms.
Our support team will assist you.
20. Agreement
By using this platform, you agree to these terms.
Users must read and understand all conditions.
Continued use confirms acceptance.
These terms form a legal agreement.
Thank you for using our services.