Terms and Conditions

Welcome to the official website of Agrim Fincap Private Limited (“we”, “us”, “our”). By accessing or using our website (“Site”) and availing any of our financial services (“Services”), you agree to be bound by the following terms and conditions (“Terms”). Please read them carefully before using our Site and Services.

1. Acceptance of Terms
By accessing or using the Site and Services, you agree to comply with these Terms. If you do not agree with any part of these Terms, you may not use the Site or Services.

2. Eligibility
To be eligible to use our Site and Services, you must:

Be at least 18 years of age
Be a resident of India
Have a valid bank account in India

3. Loan Application
You may apply for personal loans ranging from ₹5,000 to ₹1,00,000 through our Site.

Repayment Period: Up to 40 days

All applications are subject to approval based on our internal risk and eligibility criteria.

4. Loan Approval and Disbursement
Upon approval, the sanctioned loan amount will be credited directly to your designated bank account. Approval and disbursement timelines may vary depending on the accuracy and completeness of your submitted documentation.

5. Repayment Terms
You agree to repay the loan amount along with applicable interest according to the repayment schedule mentioned in your loan agreement. Delays or defaults in repayment may attract penalties, legal actions, and negative credit score impacts.

6. Interest and Fees

Annual Percentage Rate (APR): Calculated based on the monthly interest rate, annualized
No Hidden Charges: All fees and charges are transparently disclosed during the application process.

7. User Obligations
You are responsible for providing accurate, complete, and up-to-date information during registration and loan applications. You are also responsible for maintaining confidentiality of your login credentials and all activity under your account.

8. Prohibited Activities
Users must not:

Engage in fraudulent activities
Provide false or misleading information
Use the platform for unlawful or unauthorized purposes

9. Privacy Policy
Please refer to our [Privacy Policy] for details on how we collect, store, and manage your personal data. Your use of the Site and Services constitutes agreement to our privacy practices.

10. Intellectual Property
All content on this Site, including text, graphics, logos, and multimedia, is the property of Agrim Fincap Private Limited or its content providers and is protected by applicable intellectual property laws. Unauthorized use is strictly prohibited.

11. Modification of Terms
We may revise these Terms at any time. Updated Terms will be posted on the Site and take immediate effect. Continued use of the Site after changes implies your acceptance.

12. Termination
We reserve the right to suspend or terminate your access to the Site and Services without prior notice, especially in case of a violation of these Terms.

13. Limitation of Liability
To the fullest extent permitted by law, Agrim Fincap Private Limited shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Site or Services.

14. Governing Law
These Terms shall be governed and interpreted in accordance with the laws of India. Disputes shall fall under the exclusive jurisdiction of the courts in New Delhi, India.